High Interest ISAs

Find a high interest ISA today...

A high interest ISA offers a great way of maximising your tax-free savings allowance, which is £15,000 in 2014-15. See the tables below to compare ISA deals and apply:

Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
Kick Out DepositInvestec Bank plcyesUp to
6 years
5.5%
per annum
More Info >
  • 5.5% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Also available for Cash NISAs & NISA transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
5 Year Deposit Plus PlanInvestec Bank plcyes5 years30% fixed or 100% of FTSE 100 growth (no limit)More Info >
  • Target return of 30% gross or 100% of any growth in the Index if higher
  • Capital protected
  • Low minimum - £3,000
  • Short/medium alternative to fixed rates
  • Also available for Cash NISA & NISA Transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only recieve a return of your original capital
Defensive Supertracker Deposit Plan yes6 years40%More Info >
  • Return of 2 x FTSE 100 growth above 95% of initial level, capped at 40%
  • Available for NISA, NISA Transfer and Direct Investment
  • Capital protected product
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Investment deadline for NISA transfers - 11 August 2014
  • Investment deadline NISA & non-NISA investments - 18 August 2014
  • Minimum investment £3,000
  • Returns capped at 40%
  • An arrangement fee applies to this plan
  • Returns not guaranteed. You may only receive a return of your original capital
  • Product designed to be held for the full term
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.
Fixed Rate Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
2.25%3 YearApply Now >
  • Manage your account online, by phone or post
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
2.00%2 YearApply Now >
  • Manage your account online, by phone or post
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
1.65%1 YearApply Now >
  • Manage your account online, by phone or post
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000
Instant Access Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
1.00%Instant AccessApply Now >
  • No bonus included in the rate
  • No notice period or loss of interest for withdrawals
  • Transfers accepted
  • Minimum balance £10
  • Access – online, telephone and post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older
  • Annual interest
  • Variable interest rate
Up to 1.00%Instant AccessApply Now >
  • Earn 1.00% AER (variable) on balances over £25,000 (0.75% AER (variable) on balances below £25,000)
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Instant access – manage your account by phone, in-branch and online
  • Tax free interest means interest payable is exempt from UK income tax
  • Must be 16 or over
  • Must be a UK resident
Up to 1.00%Instant AccessApply Now >
  • Earn 1.00% AER (variable) on balances above £25,000 (0.75% AER (variable) on balances below £25,000)
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Instant access – manage your account by phone, in-branch and online
  • Tax free interest means interest payable is exempt from UK income tax
  • Must be 16 or over
  • Must be a UK resident
The highest potential returns on ISAs are usually from stocks and shares ISAs, because they depend on the performance of a stock market. However, this means they also come with higher risk. To find the best high interest ISA and one that suits your requirements, it is important to compare a number of deals and make an informed decision. 

ISAs vary greatly in what they offer, such as:  
  • Interest rates or returns
  • How you invest it – cash ISAs, stocks and shares ISAs or a combination of both
  • Fixed terms 
  • Fixed rates and variable rates
  • How much you wish to invest  

Use our selection tables to compare some of the top ISAs on offer.

 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.