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 Do you know how safe your savings are? Should you choose a fixed rate or a bonus rate? Our useful savings guides could help you to make the most of your money.
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Latest Savings Commentary

Income is king

Oliver Roylance-Smith / 15 May 2012

Investing for income is always a popular investment theme, never more so than in recent months with income solutions ruling the roost over the ISA season for both the cash ISAs and investment ISAs. ... Read more

7% potential annual income, capital protected

Oliver Roylance-Smith / 10 May 2012

"The latest Fair Investment Income Deposit Plan offers capital protection plus the potential to earn 7% for each year the FTSE 100 remains between 4,500 and 7,000 points (yesterday’s clos... Read more

The savings dilemma and the rise of alternatives

Oliver Roylance-Smith / 01 May 2012

The economic landscape continues to create a real dilemma for savings and put a spotlight on the fixed rate bond. With yields on these lowering amid continued pressures on getting the most out of yo... Read more

Cash ISA Transfers

Compare our best Cash ISA transfer rates

Cash ISA transfers can help you get more out of your money if you're not getting the best rate from your current provider. Not all providers allow you to transfer into their cash ISAs – see below for our selection of the latest cash ISA transfer opportunities:

 

 

ISA Transfer Options - Growth
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 3 Year Deposit Plan Investec Bank plcyes3 years17.25%More Info >
  • 3 year structured deposit plan
  • Capital protected
  • Target return of 17.25%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Deposit Kick OutRoyal Bank of Scotland plcyesUp to 6 years9.50%
per annum		More Info >
  • Structured deposit plan with a term of up to 6 years
  • Capital protected
  • Available as a Cash ISA & for Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Returns linked to the performance of 5 FTSE 100 Companies
  • Plan designed to be held for full term
  • May close early if oversubscribed
Growth Deposit PlanRoyal Bank of Scotland plcyes6 Years7.60%
per annum		More Info >
  • 6 year structured deposit plan
  • Capital protected
  • Available for Cash ISA & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Growth is not guaranteed
  • Plan designed to be held for full term
  • May close early if oversubscribed
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 ISA Transfer Options
ProviderAccountInterest Rate (AER)TermApply
3.35%Easy AccessApply Now >
  • 3.35% AER variable tax-free includes a fixed bonus of 2.35% until 31st November 2013
  • Balances under £1,000 earn 0.25% AER tax-free variable
  • Minimum opening balance of £1,000
3.00%Instant AccessApply Now >
  • 3.00% AER guaranteed rate for 12 months (2.96% gross p.a.)
  • Open with £1
  • Instant access
  • Tax free savings
2.65%Instant accessApply Now >
  • Open with £1
  • Instant access 
  • 2.65% Gross/AER variable
  • The rate includes a fixed bonus of 1.65% for the first 18 months 
Fixed Rate Cash ISA Transfer Options
ProviderAccountInterest Rate (AER)TermApply
3.70%2 YearsApply Now >
  • 3.70% tax free/AER fixed on balances of £10,000 or more
  • 3.40% tax free/AER fixed on balances of less than £10,000
  • Minimum opening balance of £3,000
  • Additional deposits allowed
3.30%1 YearApply Now >
  • Minimum opening balance of £1,000
  • Manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
Cash ISA Transfer Options - Growth Structured Deposit Plans
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 3 Year Deposit Plan Investec Bank plcyes3 years17.25%More Info >
  • 3 year structured deposit plan
  • Capital protected
  • Target return of 17.25%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Deposit Kick OutRoyal Bank of Scotland plcyesUp to 6 years9.50%
per annum		More Info >
  • Structured deposit plan with a term of up to 6 years
  • Capital protected
  • Available as a Cash ISA & for Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Returns linked to the performance of 5 FTSE 100 Companies
  • Plan designed to be held for full term
  • May close early if oversubscribed
Growth Deposit PlanRoyal Bank of Scotland plcyes6 Years7.60%
per annum		More Info >
  • 6 year structured deposit plan
  • Capital protected
  • Available for Cash ISA & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Growth is not guaranteed
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Kick Out Deposit Plan - Option 2Investec Bank plcyesUp to
5 years		6.00%
per annum		More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Deposit Growth PlanInvestec Bank plcyes5 yearsNo limitMore Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential to return 1.05 x FTSE 100 growth
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Growth Deposit BondCater Allenyes6 years50%More Info >
  • 6 year structured deposit plan
  • Capital protected
  • Target return of 9.00% or if greater 1 x any FTSE 100 growth (capped at 50%)
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Enhanced Growth PlanSantander UK plcyes6 years40%More Info >
  • 6 year structured deposit plan
  • Capital protected
  • 4 x any rise in the FTSE 100 capped at 40%
  • Available as a Cash ISA & for Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Annual Locked-In Return PlanSantander UK plcyes6 years39%More Info >
  • 6 year structured deposit plan
  • Capital protected
  • 6.5% potential annual return
  • Available for Cash ISAs & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE Protected Growth Plan yes6 years35%More Info >
  • 6 year structured investment plan
  • Capital protected
  • Potential for early maturity growth return of 35%
  • Available for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
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.

If you compare rates and find that you could be getting a better deal elsewhere, then do a cash ISA transfer. It's possible to make cash ISA transfers at any time, into another cash ISA or into a stocks and shares ISA, but it is not possible to transfer from a stocks and shares ISA into a cash ISA.

Be aware that cash ISA transfers have to be done through the new provider and they will carry out the process for you. If you just withdraw the funds from your cash ISA with the intention of putting them into a different one, this will count towards your total ISA allowance for that year. Or, if you have already deposited up to your total allowance, you will not be able to pay the money into another ISA until the next tax year. Cash ISA transfers done through the proper process will not count towards your ISA allowance.

Compare deals and make a cash ISA transfer to make your money work as hard as possible – keep an eye on your interest rate and if it falls, consider switching. Or if it's a fixed rate, make sure you shop around when the deal comes to an end.

Cash ISA Transfer Options - Income Structured Deposit Plans
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
Income Deposit PlanRoyal Bank of Scotland plcyes6 Years7.00%
per annum		More Info >
  • 6 year structured deposit plan
  • Capital protected
  • Available for Cash ISA & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Income is not guaranteed
  • Plan designed to be held for full term
  • May close early if oversubscribed
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.

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