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
5 Year Defensive Deposit PlanInvestec Bank plcyes5 years

18.5%

at end of term

More Info >
  • 18.5% fixed return if the Index is higher than 95% of its Initial Level
  • Capital protected
  • Low minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Available for Cash ISA,  ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
4 Year Deposit PlanInvestec Bank plcyes4 years

14%

at end of term

More Info >
  • 14% fixed return if the Index is higher
  • 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)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

4%

per annum

More Info >
  • 4% 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 ISAs, ISA transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • 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
0.95%Easy AccessApply Now >
  • Earn 0.95% tax free/AER variable
  • Save from just £100
  • Interest calculated daily and paid in March
  • Online access only
  • Partial ISA transfers out not available - transfers out in full only
0.80%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%35 Days NoticeApply Now >
  • Apply and manage your account online
  • Unlimited withdrawals subject to 35 days notice
  • Transfer from other cash ISA providers
  • Interest paid annually into ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 16 or older
  • Minimum opening balance of £500
  • Variable rate of interest

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


Fixed Rate Cash ISA Selection
ProviderAccountInterest RateTermApply
1.42%3 YearMore Info >
  • Apply and manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
  • Interest paid annually into ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 16 or older
  • Minimum opening balance of £500
1.32%2 YearMore Info >
  • Apply and manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
  • Interest paid annually into ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 16 or older
  • Minimum opening balance of £500

1.25%

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


Investment ISAs - Income
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential IncomeMore Info
FTSE Monthly Contingent Income PlanNatixisyesUp to 10 years

8.04%

per annum

More Info >
  • Up to 8.04% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 15%
  • Monthly payments
  • Plan can mature early each quarter from year 2 onwards
  • Alternative option available returning a potential 6% per year if FTSE falls by 30%
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 2 August 2017
  • Investment deadline for direct and ISA applications by cheque - 10 August 2017
  • Investment deadline for direct and ISA applications by bank transfer - 16 August 2017
  • 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
FTSE 100 Defensive Income PlanInvestec Bank Plcyes8 years

8.00%

per annum

More Info >
  • 8.00% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Alternative option paying up to 6.00% 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 transfers - 1 August 2017
  • Investment deadline for direct and ISA applications - 18 August 2017
  • 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 Daily Accrual Income Kick Out PlanNatixisyesMaximum 10 years

6.60%

per annum

More Info >
  • 6.60% per year based on the performance of the FTSE 100
  • Income accrued daily
  • Income paid even if FTSE 100 falls by up to 25%
  • Quarterly payments
  • Plan has the potential to kick out early every quarter from the end of year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 26 July 2017
  • Investment deadline for direct and ISA applications by cheque - 9 August2017
  • Investment deadline for direct and ISA applications by bank transfer - 16 August 2017
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's start level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £10,000
  • 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 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

9.65%

per annum

More Info >
  • 9.65% 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 returning a potential 7% from year 2
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfer applications - 1 September 2017
  • Investment deadline for direct and ISA applications - 22 September 2017 
  • 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 Enhanced Tracker PlanCredit Suisse AGyesUp to 6 years

45.0%

after 3 years, or 2 x FTSE growth after 6 years

More Info >
  • 45% after 3 years provided the FTSE 100 has risen 10%, or 2 x FTSE growth after 6 years
  • Available for direct investments, 2017/18 ISA, and ISA transfer 
  • Investment deadline for ISA transfer applications - 14 June 2017
  • Investment deadline for direct and ISA applications by cheque - 22 June 2017 
  • Investment deadline for direct and ISA applications by bank transfer - 28 June 2017 
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% 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
10:10 PlanNatixisyes10 years

8.94%

per annum

More Info >
  • 8.94% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
  • Alternative option 1 available returning a potential 7.38% pa if FTSE finishes up to 82.5% of its starting value over term of plan
  • Alternative option 3 available returning a potential 11.75% pa if FTSE finishes at or above 110% of its starting value
  • Potential to mature early, from year 3 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 26 July 2017  
  • Investment deadline for direct and ISA by cheque - 9 August 2017
  • Investment deadline for direct and ISA by bank transfer - 16 August 2017 
  • 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 £10,000
  • 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.