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2011-12 ISA Deadline

ISA deadline

With the new ISA season well and truly upon us, now is the time to consider all of the options available. We therefore give you a detailed round-up of our selection of the best that the market has to offer, for both Cash ISAs and Investment ISAs.


See below for the latest ISA deals, whether you're looking for instant access or fixed rate Cash ISAs, income or growth Investment ISAs, or fund ISAs. Apply today and start making the most of your ISA allowance as soon as possible. You can also transfer previous years' ISAs to make them work harder for you:

Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

6%

per annum

More Info >
  • 6% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
FTSE 100 3 Year Deposit PlanInvestec Bank plcyes3 years

15%

at end of term

More Info >
  • Target return of 15%
  • Capital protected
  • Low minimum - £3,000
  • Short/medium alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only recieve a return of your original capital
FTSE 100 Defensive Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

4.5%

per annum

More Info >
  • 4.5% for each year if the FTSE 100 finishes above kick out level
  • Kick out level reduces from 100% to 85% over the term
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 

Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.


Instant Access Cash ISAs
ProviderAccountInterest RateTermApply

1.11%

Instant AccessApply Now >
  • Earn 1.11% AER (variable)
  • Minimum opening balance of £1
  • Interest paid monthly or annually
  • Transfers in allowed
  • Unlimited deposits and withdrawals
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 16 or older
1.05%30 Days NoticeApply Now >
  • Manage your account online
  • Unlimited withdrawals subject to 30 days notice
  • Transfer from other cash ISA providers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
0.75%Instant AccessApply Now >
  • Instant access
  • 0.75% AER/Gross
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older

See the tables below for some of the leading funds available as stocks and shares ISA investments:


Fixed Rate Cash ISA Selection
ProviderAccountInterest RateTermApply

1.80%

per annum

3 YearMore Info >
  • Manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000

1.65%

2 YearMore Info >
  • Earn 1.65% AER fixed interest
  • Minimum opening balance of £500
  • Interest paid monthly or annually
  • Transfers in allowed
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 16 or older
  • Early withdrawals subject to term breakage charge

1.65%

per annum

2 YearMore Info >
  • Manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000


Investment ISAs - Income
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential IncomeMore Info
FTSE 100 Defensive Income PlanInvestec Bank Plcyes8 years

7.35%

per annum

More Info >
  • 7.35% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Alternative option paying up to 6% income if Index falls by up to 40%
  • Plan can mature early each year from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfer applications - 29 June 2018
  • Investment deadline for direct and ISA applications - 20 July 2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE Monthly Contingent Income PlanNatixisyesUp to 10 years

5.00%

per annum

More Info >
  • Up to 5.00% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 40%
  • Monthly payments
  • Plan can mature early each quarter from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 14 May 2018
  • Investment deadline for direct and ISA applications by cheque - 22 May 2018
  • Investment deadline for 2018/19 ISA applications by bank transfer - 29 May 2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% from its starting level at the end of the investment term, in which case your initial investment will reduce by 1% for each 1% fall below its starting value
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
  • May close early if oversubscribed
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
Investment ISAs - Growth
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years

9.8%

per annum

More Info >
  • 9.8% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Alternative collateralised option also available potentially kicking out from year two onwards at 8.6% pa
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 29 June 2018
  • Investment deadline for direct and ISA applications - 20 July 2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
10:10 PlanNatixisyes10 years

10.11%

per annum

More Info >
  • 10.11% for each year (not compounded) provided the FTSE 100 finishes above 105% of its starting level
  • Alternative option 1 available returning a potential 7.14% pa with kick out level reducing from 102.5% to to 82.5% over the term
  • Potential to mature early, from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 5 June 2018 
  • Investment deadline for direct and ISA by cheque - 19 June 2018
  • Investment deadline for direct and ISA by bank transfer - 25 June 2018 
  • Capital is at risk if the FTSE 100 Index has fallen by more than 30% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
  • May close early if oversubscribed
FTSE 100 Step Down Kick-Out PlanInvestec Bank plcyesUp to
6 years

7.35%

per annum

More Info >
  • 7.35% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Kick out level reduces from 100% to to 80% over the term
  • Potential to mature early, from year 2 onwards
  • Alternative collateralised option also available paying a potential 5.3% pa
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 29 June 2018
  • Investment deadline for direct and ISA applications - 20 July 2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.


 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested.

Investments in Stocks & Shares ISAs do not contain the same degree of capital security as investments in deposits. Stocks and shares ISAs are designed as medium to long term investments of, for example, five years or more. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.