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The clock is ticking - Last minute 2011-2012 cash ISAs Go compare with our comparison table

The clock is ticking - Last minute 2011-2012 cash ISAs

03 April 2012 / by Rachael Stiles

If you still haven't used your full cash ISA allowance for the 2011/12 tax year, then it's not too late, as you can apply for some accounts up until midnight on the last day, which is 5th April. illustrated just how important it is to invest your full ISA allowance each year, because someone who has been doing this since they launched in 1999 would now have amassed £40,000 with no tax to pay on any interest earned. 

Once the deadline passes, however, your £5,340 allowance for this tax year will be lost if you don't make the most of it. We've put together some last minute ISA deals for you compare, from instant access to fixed rate.

The NatWest E-Cash ISA offers instant access and a competitive rate of 3.00% (or 3.50% on balances of £30,000 or more). Halifax is also offering 3% with its ISA Saver Online. You have until midnight on 5th April to open these accounts and deposit funds.

If it's a fixed rate you're looking for, the NatWest 1 Year Fixed Rate Cash ISA pays 3.00%, with a minimum deposit of £1,000.

If you want to transfer from another cash ISA provider, you can get preferential interest rates with NatWest and RBS, which are both offering 1, 2, and 3 year fixed rates of up to 4.20%.

Halifax also offers a longer term fixed rate, paying 4.50% with its 5 Year Fixed Rate Cash ISA.

See more options available with our cash ISA selections »

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


per annum

More Info >
Capital protected deposit plan with the potential to mature after years 3, 4, 5 and 6. If the plan matures early it will return 6% times the number of years the plan has been in force. Also available for Cash ISA and ISA transfer.
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.