Britannia ISAs

Tax-efficient savings with Britannia ISAs...

Britannia ISAs provide different options for building up tax free savings, such as fixed rate ISAs or online ISA accounts. Cash ISAs allow you to save up to the annual allowance each year with any returns you receive free from tax.

Depending on your requirements, there may be a Britannia ISA available to suit you.

Britannia is part of The Co-operative Bank.

See the tables below for a selection of leading cash ISAs currently available:

Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
Kick Out DepositInvestec Bank plcyesUp to
6 years
5.5%
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 5.5% times the number of years the plan has been in force. Also available for Cash NISA and NISA transfer.
5 Year Deposit Plus PlanInvestec Bank plcyes5 years30% fixed or 100% of FTSE 100 growth (no limit)More Info >
5 year capital protected structured deposit plan which aims to return either a potential fixed return of 30% or 100% of any FTSE 100 growth if higher. Also available for Cash NISA and NISA 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.
Click below to view a wider range of the cash ISAs currently available:

Cash ISAs 

While Britannia ISAs are normally cash ISAs, it is also possible to invest in stocks and shares ISAs.

See the tables below for a range of other competitive ISAs currently available:

Structured Income ISAs
 Product NameISA OptionIncome YieldMore Info
FTSE 100 Enhanced Income Planyes5.64%
fixed income per annum
More Info >
6 year structured investment plan paying a fixed monthly income of 0.47% (equivalent to 5.64% annually. Also available as a Stocks & Shares NISA investment and NISA transfer.
FTSE 5 Monthly Income Planyes7.62%
fixed income per annum
More Info >
6 year structured investment plan paying a fixed monthly income of 0.635 (equivalent to 7.62% annually. Also available as a Stocks & Shares NISA investment and NISA transfer.
FTSE 4 Quarterly Income Planyes9%
per annum
More Info >
A 6 year structured investment plan paying a potential quarterly income of 2.25% (equivalent to 9% per year). Also available for Stocks & Shares ISA and ISA transfer.
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.

Structured Growth ISAs
 Product NameISA OptionMaximum Potential ReturnTermMore Info
FTSE 4 / FTSE 100 Defensive Kick Out Planyes17%
after 18 months
Up to
6 years
More Info >
Structured investment plan with the potential to mature every six months from 18 months onwards. If the plan matures after 18 months it will return 17%, or 17% plus an additional 6% for each six months thereafter. Also available for Stocks & Shares NISA and NISA transfer.
FTSE 100 Enhanced Kick Out Planyes10.5%
per annum
Up to
6 years
More Info >
Structured investment plan with the potential to mature after years 2, 3, 4, 5 or 6. If the plan matures early it will return 10.5% times the number of years the plan has been in force. Also available for Stocks & Shares NISA and NISA transfer.
FTSE Defensive Kick Out Growth yes7.8%
per annum
Up to 6 yearsMore Info >
A 6 year structured investment plan with the potential to mature early from year 2, returning 7.8% for each year the plan is in place. Also available for Stocks & Shares NISA and NISA transfer.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 


Income Funds - Select Range
 Product NameISA OptionIncome YieldMore Info
Invesco Perpetual Monthly Income Plusyes5.25%More Info >
Income Paid Monthly. Popular 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. See latest fund factsheet for details.
Henderson Strategic Bondyes5.7%More Info >
Income Paid Quarterly. Investing in higher yielding assets which will include most types of fixed interest securities, this fund aims to deliver a quarterly income to investors. See latest fund factsheet for details.
Newton Higher Incomeyes5.4%More Info >
Income Paid Quarterly. The objective of the Fund is to achieve increasing distributions on a calendar year basis with long term capital growth. The Fund may also invest in collective investment schemes. See latest fund factsheet for details.
*Current Income Yields are Gross, Variable and Not Guaranteed
**Historic Yield reflects distributions declared over the past 12 months as a percentage of the mid-market price of the fund.
*** This is the target yield the fund aims to achieve per year, it is not guaranteed and could change according to prevailing market conditions. The target yield is net of basic rate tax.
Information correct as at 08/02/2012.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 


 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.