Some of the highest interest paying ISA Savings accounts are shown below. Simply click on the 'more details' button for account features and offers.
You can also use our savings search tool to compare over 1200 saving
accounts including ISAs. We also provide a Free Weekly Newsletter so you can stay up to date with the latest ISA products and rates.
The new 2011/12 ISA allowance is £10,680 of which half (£5,340) can be put into a Cash ISA. Full details of ISA rules and allowances are detailed at the bottom of this page.
Latest ISA News - updated
| Provider | Offer | |
|---|---|---|
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Virgin Money has launched an instant access savings account and a Cash ISA both paying 2.85% AER. You can open both accounts with as little as £1. Click here for Instant Access Savings account or here for the Cash ISA. |  |
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NatWest Bank has launched a range of Fixed Rate Cash ISAs paying up to 4.20% AER. You can save from £1,000 and Fixed Rates are available over 1, 2 and 3 years. Click here for more details or to apply online. | |
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If you are looking for Capital Growth from your ISA then Investec offer a 4 year plan with the potential to return 13.50% times the number of years the plan has been in force. Available for Stocks & Shares ISA and ISA transfer. Click here to request a Free no obligation Brochure. | |
ISA Accounts Tables
| Provider | Account | AER | Notice | Min £ | Details |
|---|---|---|---|---|---|
| Nationwide BS (Must open or currently have a Nationwide card account) | Cash ISA | 3.10% | Instant | £1,000 | |
| ING Direct | Cash ISA | 3.00% | Instant | £1 | |
| Virgin Money | Cash ISA | 2.85% | Instant | £1 | |
| Principality BS | Cash ISA | 2.80% | Instant | £1 | |
| Halifax | Cash ISA | 2.60% | Instant | £1 | |
| NatWest Bank | e-ISA | 2.50% | Instant | £30,000 | |
| NatWest Bank | e-ISA | 2.00% | Instant | £1 | |
| NatWest Bank | Cash ISA | 2.00% | Instant | £50,000 | |
| RBS | Cash ISA | 2.00% | Instant | £50,000 | |
| RBS | Cash ISA | 0.55% | Instant | £1 | |
| NatWest Bank | Cash ISA | 0.50% | Instant | £1 | |
| Provider | Account | AER | Notice | Min £ | Details |
|---|---|---|---|---|---|
| Halifax | Fixed Rate Cash ISA | 4.40% | 5 Years | £500 | |
| Halifax | Fixed Rate Cash ISA | 4.30% | 4 Years | £500 | |
| NatWest Bank | Fixed Rate Cash ISA - Transferred in from another provider | 4.20% | 3 Years | £1,000 | |
| RBS | Fixed Rate Cash ISA - Transferred in from another provider | 4.20% | 3 Years | £1,000 | |
| NatWest Bank | Fixed Rate Cash ISA - Transferred in from another provider | 3.90% | 2 Years | £1,000 | |
| RBS | Fixed Rate Cash ISA - Transferred in from another provider | 3.90% | 2 Years | £1,000 | |
| NatWest Bank | Fixed Rate Cash ISA | 3.80% | 3 Years | £1,000 | |
| RBS | Fixed Rate Cash ISA | 3.80% | 3 Years | £1,000 | |
| Halifax | Fixed Rate Cash ISA | 3.70% | 3 Years | £500 | |
| Halifax | Fixed Rate Cash ISA | 3.70% | 2 Years | £500 | |
| NatWest Bank | Fixed Rate Cash ISA | 3.50% | 2 Years | £1,000 | |
| RBS | Fixed Rate Cash ISA | 3.50% | 2 Years | £1,000 | |
| NatWest Bank | Fixed Rate Cash ISA - Transferred in from another provider | 3.35% | 1 Year | £1,000 | |
| RBS | Fixed Rate Cash ISA - Transferred in from another provider | 3.35% | 1 Year | £1,000 | |
| NatWest Bank | Fixed Rate Cash ISA | 2.60% | 1 Year | £1,000 | |
| RBS | Fixed Rate Cash ISA | 2.60% | 1 Year | £1,000 | |
| Provider | Description | Min £ | Details |
|---|---|---|---|
| Nationwide BS | Tax efficient way to save to save on behalf of children and pays 3.00% AER. | £1 | |
| Provider | Description | Min £ | Details |
|---|---|---|---|
| Fair Investment | No set up fees and choice of 2,000 funds | £5,000 | |
| Provider | Description | Min £ | Details |
|---|---|---|---|
| Virgin | Climate Change ISA. Invests in specially selected businesses who aim to drive outstanding profit growth and have a lighter environmental footprint. | £50 |
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| Legal & General | Inflation Protected Deposit Plan. 5 year plan linked to the Retail Prices Index. Your capital will be returned in full at maturity and will provide either a fixed return of 16.0%, or if greater, 100% of any growth in the Retail Prices Index with no cap. | £500 | |
| Morgan Stanley | 6 year structured investment plan that offers a fixed growth return of 60% even if the FTSE 100 falls by up to 20%. | £3,000 | |
| Investec | Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.50% times the number of years the plan has been in force. Available for Stocks & Shares ISA and ISA transfer. | £1,500 | |
| Investec | 5 year structured investment plan paying an income of 7.0% annually. Available for Stocks & Shares ISA investment and ISA transfer. | £1,500 | |
| Legal & General | Index Tracking ISAs - Follows the performance of a particular stock market – in the UK or abroad – with low management fees. | £50 | |
| Legal & General | Multi Manager ISAs - You can aim for growth, income or a balance of both by investing in several funds at the same time through one simple fund-of-funds investment. | £50 | |
| Legal & General | Income ISAs - Aims for regular income rather than growth. | £50 | |
| Legal & General | Ethical ISA - Only invests in socially responsible companies. | £50 | |
| Structured Investment Products promoted by Fair Investment Company Limited, Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority. | |||
| Brochures | Details |
|---|---|
| Free brochures from the UK's leading ISA providers like Fidelity, M&G, Hendersons etc. |
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| Provider | Account | AER | Term | Min £ | Details |
|---|---|---|---|---|---|
| Scottish Widows | Fixed Term Deposit Account | 4.60% | 5 Years | £10,000 | |
| Halifax | Fixed Rate Savings | 4.50% | 5 Years | £500 | |
| Halifax | Fixed Rate Savings | 4.30% | 4 Years | £500 | |
| Halifax | Fixed Rate Savings | 4.15% | 3 Years | £500 | |
| Scottish Widows | Fixed Term Deposit Account | 4.00% | 3 Years | £10,000 | |
| AIB (GB) | Fixed Rate Bond | 3.90% | 2 Years | £1,000 | |
| Halifax | Fixed Rate Savings | 3.85% | 2 Years | £500 | |
| Natwest Bank | Fixed Rate Bond | 3.70% | 2 Years | £25,000 | |
| RBS | Fixed Rate Bond | 3.70% | 2 Years | £25,000 | |
| FirstSave | Fixed Rate Bond | 3.60% | 1 Year | £1,000 | |
| AIB (GB) | Fixed Rate Bond | 3.50% | 1 Year | £1,000 | |
| United National Bank | Fixed Term Deposit Account | 3.30% | 1 Year | £2,000 | |
| FirstSave | Fixed Rate Bond | 3.25% | 6 Months | £1,000 | |
| Natwest Bank | Fixed Rate Bond | 3.20% | 1 Year | £25,000 | |
| Nationwide (Must have or be prepared to open a Nationwide Flexaccount) | Fixed Rate Bond | 3.10% | 1 Year | £50,000 | |
| Provider | Account | AER | Notice | Min £ | Details |
|---|---|---|---|---|---|
| West Brom BS | Direct Bonus Account | 3.13% | Instant | £10,000 | |
| Santander | Savings Account | 3.10% | Instant | £1 | |
| ING Direct | Savings Account | 2.90% | Instant | £1 | |
| Virgin Money | Savings Account | 2.85% | Instant | £1 | |
| Principality BS | Savings account | 2.85% | Instant | £1 | |
| West Brom BS | Savings Account | 2.81% | Instant | £1,000 | |
| Halifax | Online Saver | 2.80% | Instant | £1 | |
| Scottish Widows | Savings Account | 2.80% | Instant | £1,000 | |
| Skipton Building Society | Savings Account | 2.50% | Instant | £1 | |
| Halifax (must have a Halifax current account) | Reward Saver | 2.50% | Instant | £1 | |
| RBS | Direct Saver | 1.50% | Instant | £50,000 | |
| NatWest Bank | e-Savings | 1.00% | instant | £1 | |
| HSBC Bank | Online Saver | 0.75% | Instant | £1 | |
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ISA RULES
We have set out the 2011/12 ISA tax rules including the changes set out in the 2011 Budget.
The overall maximum ISA allowance has increased to £10,680 for the 2011/12 tax year.
The maximum total annual contribution is £10,680 of which half can be invested in a Cash ISA.
The maximum allowable cash portion is £5,340.
The mini and maxi ISA distinction no longer exists. Any maxi or mini ISA is now simply called an ISA.
Mini stocks and shares ISA's and any stocks and shares component of a maxi ISA have become a stocks and shares ISA.
Mini cash ISA's and any cash component of a maxi ISA has become a cash ISA.
The full £10,680 allowance can be invested in stocks and shares, or you can choose to put up to £5,340 into a cash ISA.
For example; you save £2,700 in a cash ISA at the start of the tax year. In the same year, you could invest up to another £2,640 in the same cash ISA or up to £7,980 in a stocks and shares ISA with either the same or a different provider.
Funds are transferable from a cash ISA into a stocks and shares ISA, giving your money a better chance to grow over the medium to long term. Making the transfer won’t affect your ISA allowance, so if you make a transfer from a previous year’s ISA, it will not use any of the current year’s allowance. In addition, there will be no tax to pay on the returns you earn from your ISA. However you cannot transfer from a stocks and shares ISA to a cash ISA.
PEPs (Personal Equity Plans) has automatically become a stocks and shares ISA.
* Important Notes: For structured deposit and investment plans the above information provides a product summary only. Complete details of the plans can be found within the relevant brochure and key features material which are available on request. Investors will not benefit from any dividends paid by the companies which constitute the listed indices over respective investment terms. Therefore, if markets rise, the plans will deliver lower returns than investments in an equity fund which includes reinvested dividends. The stated benefits will only be delivered if the plans are held for the full terms. If the investor were to cash in their plan early, they would be unlikely to receive back the amount they originally invested, regardless of the performance of the basket/index underlying the plan. Inflation might deteriorate the value of the capital received at maturity. Some of the plans place your ‘capital at risk’ and are not intended for cautious investors. For capital at risk plans, the security of the product depends on the credit worthiness of the counterparty. Failure of the counterparty could lead to you losing all or some of your original investment and returns. Furthermore this event will not be covered by the Financial Services Compensation Scheme. Please see http://www.fscs.org.uk for full information.
