Best Cash ISAs

Cash ISAs - tax free savings!

The best Cash ISAs for you will depend on your requirements and how much you intend to invest. ISAs are Individual Savings Accounts that are not subject to tax on any interest earned, and you can invest up to £5,100 per tax year (2010/2011 tax year). For some of the best Cash ISAs around, compare deals using our free comparison table:


ProviderAccountRateApply
4.50%* pa 
5 year structured capital protected deposit plan with an annual yield of 4.50% or a monthly yield of 0.36%. The plan can be used for cash ISA investment or cash ISA transfer.
4.15% 
This 3 year fixed rate deposit plan returns 4.15% a year - Available as Cash ISA, SIPP and SSAS - Transfers from other Cash ISAs allowed
2.60%  
Variable rate of 2.60% AER paid annually - £1,000 minimum balance - 4 withdrawals allowed per year.
2.10% 
Instant access cash ISA open to new and existing customers.
2.08% 
Variable 2.08% AER includes a fixed rate bonus of 1.00% gross. Minimum Deposit £1
up to 2.00% 
minimum deposit £1.00. Open to Natwest current account holders only.
See Details 
This structured capital protected deposit plan offers a maximum return of 15% at maturity.
See Details 
This 5 year structured capital protected deposit plan offers a maximum return of 32.5% at maturity. Available as Cash ISA and Cash ISA transfer.
1.75% 
exclusively for HSBC Personal Banking Customers
0.55% - 2.00% 
ISA transfers are eligible for additional bonus interest payments. Tiered interest rates. 2.00% AER applied to deposits of £50K+. Open to RBS current account holders only.
up to 2.00% 
Minimum deposit £1.00, rates from 0.50% - 2.00% AER. Open to Natwest current account holders only.
* Income payments are dependent upon the FTSE 100 Index.
Disclaimer (Please Read)
The interest rates vary from one provider to the next, but the best Cash ISAs will generally include the following features:

  • No minimum opening balance (some providers ask for the full allowance as an opening deposit)
  • Instant access to your money (some ISAs are notice accounts and have penalties for no notice withdrawals)
  • Previous ISA balance transfer
  • Tiered interest rates (the higher the investment, the higher the interest)

Because deals vary, it is important to shop around and make sure you find the right one for you. To find the best Cash ISAs for your circumstances, compare some of the leading providers using the table or click on the link below:


Investing for Income ISAs
 Product NameISA OptionIncome YieldMore Info
FTSE Income Planyes6.75% pa* 
6 year structured income plan with a fixed annual income return of 6.75%
Investec FTSE 100 Bonus Income Planyes6.50% pa* 
5 year structured investment plan with annual or monthly income options. Potential for additional bonus payments.
5 Year FTSE 100 Income Deposit Plan Option 2yes4.50% pa* 
5 year capital protected deposit plan with an annual yield of 4.50% or a monthly yield of 0.36%. The plan can be used for cash ISA investment or cash ISA transfer.
Royal Deposit ISAyes4.15% pa* 
3 year fixed rate deposit account returning 4.15% a year. Available as Cash ISA.
Schroders Monthly High Income Fundyes
See Details
 
The Schroder Monthly High Income Fund aims to generate a high income, whilst not compromising capital, by investing in a diversified basket of fixed income securities. 100% Discount off Initial Charges.
Invesco Perpetual Monthly Income Plus Fund ISAyes
See Details
 
Popular monthly income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. 100% discount on initial charges.
Henderson Strategic Bond Fundyes
See Details
 
The aim of this fund is to deliver a quarterly income to investors by investing in higher yielding assets, which will include most types of fixed interest securities such as high yield bonds, investment grade bonds and government gilts, as well as having the ability to invest a proportion of the fund in equities. Income is paid to you quarterly.
Schroders Income Maximiseryes
See details
 
The Schroder Income Maximiser Fund ISA aims to deliver a target income yield of 7% pa, also providing potential capital growth. Income is paid to you quarterly. 100% Discount off Initial Charges.
Invesco Perpetual Corporate Bond ISAyes
See details
 
This highly popular fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to 100% Discount off the Standard Initial Fund Charge.
Artemis Income ISAyes
See details
 
One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge.
Jupiter Corporate Bond Fund ISAyes
See details
 
The Jupiter Corporate Bond aims to achieve a high level of income with the opportunity for capital growth, through mainly investing in fixed interest securities. Income is paid to you twice yearly. 87.5% Discount off the Standard Initial Fund Charge.
Invesco Perpetual High Income Fund ISAyes
See details
 
One of the UK's most popular income fund ISAs the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge.
M&G Corporate Bond ISAyes
See details
 
The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge.
Jupiter Merlin Income Portfolioyes
See details
 
The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount off the Standard Initial Fund Charge.
* See details.
†† Income payments are dependent upon the FTSE 100 Index.
Disclaimer (Please Read)

Investing For Growth ISAs
 Product NameISA OptionMinimum investmentMore Info
FTSE 100 Enhanced Kick Out Plan Investec Versionyes£20,000 
5 year structured investment plan benefiting from an early maturity feature. The plan offers the potential to return 12% for every year that the plan is in force.
RBS UK Growth Early Kick Out Planyes£20,000 
5 year structured investment plan benefiting from an early maturity feature. The plan offers the potential to return 10% for every year that the plan is in force.
Defined Returns Annual (Kick-Out) Planyes£20,000 
A 6 year structured investment plan benefiting from an early maturity feature. The plan offers two options, one of which offers the potential to return 9.10% for every year the plan is in force.
FTSE 100 Kick Out Deposit Plan yes£1,500 
Structured deposit plan with two options offering returns of up to 5.25% or 6% per year. Potential to kick out after 2,3,4 or 5,years depending on the option.
FTSE 100 5 Year Deposit Plan yes£1,500 
This 5 year capital protected deposit plan offers a maximum return of 32.5% at maturity.
FTSE 100 3 Year Deposit Plan yes£1,500 
This capital protected deposit plan offers a maximum return of 15% at maturity.
FTSE 100 Deposit Growth Planyes£20,000 
5 year structured investment plan that aims to provide a full repayment of capital at the end of the five year term, plus 100% of any growth in the FTSE 100 after 5 years capped at 50%.
FTSE 100 Accelerated Growth Planyes£20,000 
5 year structured investment plan that returns two times any growth in the FTSE 100 index over the investment term.
FTSE 100 Growth Planyes£20,000 
5 year capital protected structured investment plan, with the potential to return 100% of any growth in the FTSE 100 over the 5 year term.
UK Growth Multiplieryes£3,000 
A 6 year structured investment plan which aims to provide up to 4 times any growth in the FTSE 100 up to a maximum of 100%.
FTSE 100 Geared Returns Planyes£20,000 
5 year structured investment plan with the potential to receive a defined return of 70%.
FTSE Kick Out Growth Planyes£3,000 
6 year structured investment plan offers the opportunity to kick out after 3 years with a potential return of 50%.
FTSE Best Entry Growth Planyes£3,000 
6 year structured investment plan offering 2 times any positive growth in the FTSE 100.
FTSE Protected Growth Planyes£3,000  
This 6 year structured investment plan offers a return of up to 15% with the potential to kick out after 3 years.
Jupiter Financial Opportunities Fund ISAyes
From £50 Per Month
 
A top performing fund that seeks to achieve long-term capital growth principally through investment in equities of financial sector companies on an international basis.
M&G Recovery Fund ISAyes
From £50 Per Month
 
The principle behind the fund is simple, but has proved highly effective – it focuses on corporate rather than economic recovery. To achieve this, the fund manager, Tom Dobell, scrutinises companies and identifies those he believes can recover regardless of economic conditions.
Artemis UK Special Situations Fund ISAyes
From £50 Per Month
 
The Artemis UK Special Situations Fund aims to achieve long-term capital growth by exploiting special situations.
Jupiter Ecology ISAyes
From £50 Per Month
 
The objective of the Fund is to achieve long-term capital appreciation together with a growing income consistent with a policy of promoting environmental and social change.
TD Waterhouse Trading ISAyes
N/A
 
The TD Waterhouse Trading ISA is a self select, stocks and shares ISA, which offers a wide range of investment choices. It puts you in control of your share portfolio and at the same time protects your growth from Income Tax and Capital Gains Tax.
Virgin Money Climate Change ISAyes
From £500 Per Month
 
The Virgin Climate Change ISA invests in Companies (mainly in the UK & Europe) who aim to drive profit growth & have a lighter environmental footprint.
Disclaimer (Please Read)


Investment ISAs are designed as medium to long term investments, for example at least five years.
The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
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.
If you choose an index-tracking trust which invests overseas, exchange rate variations may cause the value of your investment to increase or decrease.
If you unsure what Investment ISA plan is  right for you speak to an independent investment adviser.

Fair Investment Funds ServiceLogin Apply Online