Compare ISA Savings

We help you to compare the best ISA rates in the UK for cash and investment ISAs available from all the leading ISA savings providers so you get the best tax free return. Whether you're looking to invest in cash ISA or investment ISA you can find the best rates here.
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Halifax 5 Year ISA Saver Fixed
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£5002.50% fixed
for 5 years
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 365 days gross interest.
 
Halifax 4 Year ISA Saver Fixed
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£5002.40% fixed
for 4 years
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 320 days gross interest.
 
Halifax 3 Year ISA Saver Fixed
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£5002.25% fixed
for 3 years
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 270 days gross interest.
 
Halifax 2 Year ISA Saver Fixed
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£5002.05% fixed
for 2 years
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 180 days gross interest.
 
Halifax 18 Month ISA Saver Fixed
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£5002.00% fixed
for 18 months
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 135 days gross interest.
 
Aldermore 3 Year Fixed Rate Cash ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£1,0002% fixed
for 3 years
FSCSallowed
 
Aldermore 2 Year Fixed Rate Cash ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£1,0001.8% fixed
for 2 years
FSCSallowed
 
Halifax 1 Year ISA Saver Fixed
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£5001.65% fixed
for 1 year
FSCSallowed
No additional deposits or withdrawals. Early closure is allowed subject to the loss of 90 days tax free interest.
 
Halifax ISA Saver Online
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£11.55%
inc. 1.30% bonus
for 12 months
FSCSallowed
 
Halifax ISA Saver Variable
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£11.50%
inc. 1.00% bonus
for 12 months
FSCSallowed
 
NatWest Cash ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£11.5% variable
on £25,000+
FSCSallowed
 
RBS Instant Access ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£11.5% variable
on £25,000+
FSCSallowed
 
Aldermore 30 Day Notice Cash ISA (Issue 5)
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Cash ISA£1,0001.25% variable-allowed
 
AXA Self Investor stocks & shares ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Investment ISA£50-FSCS-
0% ISA account charge for new customers who invest on or before 30th April 2014. Fund manager charges will apply. AXA Self Investor is a non-advised service. Your capital is at risk.
 
AJ Bell Youinvest Investment ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Investment ISA£0-FSCS-
Deal online from just £4.95 and never pay more than £9.95. No account charge. Market leading investment range.
 
F&C Investment Trust ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Investment ISA£50-FSCS-
 
Hargreaves Lansdown Vantage Stocks & Shares ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Investment ISA£50-FSCS-
Up to £1,000 cash back as a thank you when you transfer your ISAs into Vantage by 8 May (terms apply)
 
TD Direct Investing Trading ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Investment ISA£25-FSCS-
£0 annual fee for ISAs with a balance of £5,100 or over (£30 plus VAT for ISAs below £5,100). The value of investments & the income derived from them can go up or down. Capital at risk. If you're unsure how suitable this ISA is, seek independent advice.
 
Interactive Investor ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Investment ISA£0-FSCS-
Straightforward Investing in a wide range of UK and International Shares, Funds, Gilts and Bonds. No percentage fees on Funds. £20 fee per quarter includes trades to the value of £20, plus free ISA. Transfer your existing investments and get up to £240.
 
Fidelity Personal Investing Stocks & Shares ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeISA Transfers In
Investment ISA£50-FSCS-
The Fidelity Price Promise: If you find a fund for less from our main competitors, we'll refund the difference. See www.Fidelity.co.uk/pricepromise for full terms and conditions. Capital at risk. ISA and tax rules apply. Fidelity does not give advice.
 

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are displayed with blue product names.

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ISA Savings Explained

Find out how you can use your ISA allowance to save 11,280 each year tax free and how you can be sure you have the best ISA deals all year round.

Change

What is an ISA?

As an incentive to save the government provides each UK resident over the age of 16 with a tax free investment allowance every tax year (this runs from 6th April to the 5th April the following year, the latter of which represents the annual ISA deadline). These are known as ISAs (Individual Savings Accounts) and funds can either be invested as cash or in stocks and shares.

How much can you put in an ISA?

For the 2013/14 tax year the total ISA allowance is £11,520, up to £5,760 of which can be saved in a Cash ISA (this is the cash ISA limit) and the remainder in an Investment ISA. 

This simplified set up replaced the old Mini/Maxi distinction that used to be used for ISA investments.

As part of this simplification, which came into effect on the 6th April 2008, all existing Mini Cash ISAs, TESSA-only ISAs and the cash components of Maxi ISAs became known as Cash ISAs, while PEPs and the stocks and shares components of existing Maxi ISAs became known as Investment ISAs (also known as Stocks and Shares ISAs).

How to secure the best ISA savings rates

Most banks and building societies offer a range of Cash ISA accounts so you have plenty of options when it comes to fnding the best ISA rates.

Cash ISAs operate similarly to ordinary, taxable savings accounts with both fixed term Cash ISAs and instant access Cash ISAs available. The main difference, aside from the ISA rules which make things a little more complicated, is that any interest you earn on your money is paid in full - you don't have any tax deducted whatsoever, unlike ordinary savings accounts.

This tax free interest benefit can make your savings even more profitable providing you keep your money in the best interest rate ISA possible. This means carrying out a Cash ISA comparison at the start of every new tax year to find the best ISA interest rates around so that you make the most of your new ISA limits. However, that's not all you need to do.

Cash ISA providers often reduce the interest rate they pay on ISA savings considerably after the first 6 months to a year. As such even the best ISA accounts can end up paying you minimal interest if you're not careful.

To combat this almost guaranteed decline in even the best ISA interest rates you need to keep an eye on the return your money is earning, carry out an ISA interest rates comparison as soon as you see that the rate has started to drop, and then choose the top ISA available to transfer your savings to.

The exception to this is fixed rate Cash ISAs which will pay a fixed interest rate throughout the agreed term. After this period ends the rate is likely to drop significantly so you will need to look at carrying out an ISA transfer to take advantage of the new ISA rates available. Read our article on ISA transfers for more information.

Cash ISAs tend to be most suited to savers looking for guaranteed returns and those who need access to their money over the short term.

How to compare ISAs for investments

Investment ISAs tend to be more suitable for those looking to invest over a longer period and, as with any investment in the stock market, they do involve an element of risk as returns are dependent on the performance of the stock you invest in. However, it is possible to mediate this risk by spreading your investments using vehicles such as fund ISAs.

When you carry out your Investment ISA comparison it's important to check what you'll be investing in, how much you're able to invest both as a lump sum, and over time and what the ISA manager will charge you in the way of annual management fees and charges if you decide you want to transfer ISA savings to a different provider. Doing so is the only way to make sure you get the best ISA account for your circumstances.

How to understand ISA savings rules

During a tax year you are allowed to invest your Cash ISA and Investment ISA savings allowance with different providers. Although you are only able to pay into a single Cash ISA account (held with a single provider) and a single Investment ISA each tax year. You can however hold different ISA accounts that house previous years’ allowances with a number of different providers.

Any money you invest in an ISA gains its tax-free status immediately so you start to reap the tax-free benefits right away. However, it’s important to remember that after you use your full allowance for a tax year (whether this be the £5,760 cash or £11,520 maximum) you are unable to pay in any more funds even if you make a withdrawal.

Despite this, you can transfer ISAs between providers, although it is vital that you do this by requesting an internal transfer rather than by simply withdrawing the money.

As with previous years’ allowances you are able to transfer funds held in a Cash ISA with one provider to an equivalent Cash ISA held by another provider, similarly with Investment ISAs.

However, as of the 6th April, 2008, you can now convert ISA savings held in Cash ISAs from previous years allowances and money invested under your current year’s Cash ISA allowance, into stocks and shares in an Investment ISA without losing the tax-free benefits.

Whether you decide to use your ISA allowance wholly to invest in the stock market or prefer to have keep some available as cash, the only important thing is that you use as much of it as possible each tax year as ISA allowances don’t roll over, so if you don’t use them, you lose them.

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