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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

Fixed Term Cash ISAs

Compare fixed term Cash ISAs...

Fixed term Cash ISAs might right for you if you're looking for somewhere to save where any interest you make will be protected from the tax man and you will get a guaranteed return.

We have made it easy for you to compare fixed term Cash ISAs, as well as other ISA deals, by bringing together all the latest deals in one comparison table – see below and click on the links for more information and to apply:

Fixed Rate Cash ISA Selection
ProviderAccountInterest Rate (AER)TermApply
3.70%2 YearsApply Now >
3.70% tax free/AER fixed on balances from £10,000 or more. 3.40% on balances of less than £10,000. Minimum opening balance is £3,000.
3.30%1 YearApply Now >
3.30% gross/AER fixed for 1 year. £1,000 minimum opening balance. Withdraw cash early if you need to (subject to loss of interest).
Fixed Rate Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
3.70%2 YearsApply Now >
3.70% tax free/AER fixed on balances from £10,000 or more. 3.40% on balances of less than £10,000. Minimum opening balance is £3,000.
3.30%1 YearApply Now >
3.30% gross/AER fixed for 1 year. £1,000 minimum opening balance. Withdraw cash early if you need to (subject to loss of interest).

From April 6th 2010, you can save up to £5,100 in a fixed term Cash ISA, where you will pay no tax on the returns, your interest rate will remain the same for the duration of the fixed term, and your capital will not be at risk as it is in a Stocks and Shares ISA.

The remainder of your ISA allowance - £10,200 from the 2010/2011 tax year – can be invested in a Stocks and Shares ISA, either fixed term or not, where you could earn potentially higher interest in return for taking greater risk.

Alternatives to Fixed Rate Cash ISAs
ProviderPlanDeposit TakerPotential ReturnTermMore Info
FTSE 100 3 Year Deposit Plan Investec Bank plc17.25%3 yearsMore Info >
3 year capital protected deposit plan with the potential to receive a defined return of 17.25%. Also available for Cash ISA and Cash ISA transfer.
Deposit Kick OutRoyal Bank of Scotland plc9.50%
per annum		Up to 6 yearsMore Info >
A 6 year structured deposit plan with the potential to mature early, paying 9.50% for every year the plan is in place. Also available for Cash ISA and ISA transfer.
Income Deposit PlanRoyal Bank of Scotland plc7.00%
per annum		6 YearsMore Info >
A 6 year capital protected structured deposit plan with the potential to pay 7% annual income. Backed by the Royal Bank of Scotland. Also available as a cash ISA and for ISA transfer.
FTSE 100 Kick Out Deposit Plan - Option 2Investec Bank plc6.00%
per annum		Up to
5 years		More Info >
Capital protected deposit plan with the potential to mature after years 2, 3, 4 and 5. 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 Cash ISA transfer.

These are structured deposit plans and are capital protected. There is a risk that the company backing the plans or any company associated with the plans may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) , depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plans are not held for the full term.

If you are at all unsure of the suitability of these types of investments, both in respect of their objectives and risk profiles, you should seek independent financial advice.

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