Savings Account Guides

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

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

ISA Rates

Compare ISA rates...

ISA rates can vary between providers, with different terms and conditions applying to different accounts. Some ISA rates may be short term, or temporary on instant access ISAs, while fixed rate ISA offer ISA rates for a set period of time.

The ISA rate that you receive will also depend on the type of ISA you choose. There are two types of ISA:

Cash ISAs Stocks & Shares ISAs
Compare leading ISA rates using the tables below:

Fixed Rate Cash ISAs

Account	Interest Rate (AER)	Term	Apply
2 Year Fixed Rate Cash ISA	3.70%	2 Years	Apply 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.			Apply Now >
1 Year Fixed Rate Cash ISA	3.30%	1 Year	Apply 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).			Apply Now >

Compare other Fixed Rate Cash ISAs

Instant Access Cash ISAs

Account	Interest Rate (AER)	Term	Apply
Direct Cash ISA	3.35%	Easy Access	Apply Now >
3.35% AER variable tax-free with a fixed bonus of 2.35% until 31st October 2013 for balances over £1,000. Balances under £1,000 earn 0.25% AER variable tax-free.			Apply Now >
ING Direct Cash ISA	3.00%	Instant Access	Apply Now >
3.00% AER (2.96% gross p.a) tax free guaranteed for 12 months. Open with £1. No restrictions on withdrawals.			Apply Now >
Cash ISA Saver	2.65%	Instant access	Apply Now >
The rate includes a fixed introductory bonus of 1.65% for the first 18 months from account opening.			Apply Now >
E-Cash ISA	2.50%	Instant Access	Apply Now >
Instant access cash ISA open to new and existing customers. Transfers accepted. £10 minimum deposit.			Apply Now >

Compare Other Instant Access Cash ISAs

Cash ISA Selection

Account	Interest Rate (AER)	Term	Apply
Investec FTSE 100 3 Year Deposit Plan	17.25%	3 Years	Apply Now >
This structured capital protected deposit plan offers a maximum return of 17.25% at maturity. Also available for Cash ISA and Cash ISA transfer.			Apply Now >
Fair Investment Income Deposit Plan	7.00%	6 Years	Apply Now >
A 6 year capital protected structured deposit plan designed to pay 7.00% annual income. Also available as a cash ISA and ISA transfer.			Apply Now >
1 Year Fixed Rate Cash ISA	3.30%	1 Year	Apply 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).			Apply Now >

See more Cash ISAs

*Income payments and returns are dependent on the performance of the FTSE 100 index.

Structured Income ISAs

Product Name	Income Yield	More Info
Income Builder Plus	8.40% per annum	More Info >
A 5 year structured investment plan paying a potential maximum quarterly income of 2.10% (equivalent to 8.40% per year). Also available for Stocks & Shares ISA and ISA transfer.		More Info >
FTSE 100 Bonus Income Plan	7.50% per annum	More Info >
5 year structured investment plan paying an income of 7.50% annually, including a potential annual bonus of 0.5%. Also available as a monthly income option, Stocks & Shares ISA investment and ISA transfer.		More Info >
Income Deposit Plan	7.00% per annum	More 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.		More Info >

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.

Structured Growth ISAs

Product Name	Maximum Potential Return	Term	More Info
FTSE 100 Enhanced Kick Out Plan Investec Version	13% per annum	Up to 5 years	More Info >
Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE Defensive Bonus Plan	9.50% per annum	Up to 6 years	More Info >
6 year structured investment plan with the potential to mature early, returning the greater of 9.50% for each year the plan is in place, or the highest return from the FTSE, measured daily. Also available for Stocks & Shares ISA and ISA transfer			More Info >
Early Bonus Plan	9% per annum	Up to 6 years	More Info >
A 6 year structured investment plan with the potential to mature early, paying 9% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
Deposit Kick Out	9.50% per annum	Up to 6 years	More 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.			More Info >
FTSE 5 Quarterly Defensive Plan	4.50% per quarter	5 Years	More Info >
A 5 year structured investment plan with the potential to return 4.50% x the number of quarters the Plan has been active.			More Info >
FTSE Booster Plan	60%	6 years	More Info >
6 year structured investment plan that offers a fixed growth return of 60% even if the FTSE 100 falls. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 100 Geared Returns Plan	80%	5 years	More Info >
5 year structured investment plan with the potential to receive a defined return of 80%. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
Growth Plan	60%	5 years	More Info >
A 5 year structured investment plan which aims to provide a defined return of 60% at maturity. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 100 Accelerated Growth Plan	No limit	5 years	More Info >
5 year structured investment plan with the potential to return 2.5 x any growth in the FTSE 100 Index after 5 years. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE Protected Growth Plan	35%	6 years	More Info >
A 6 year capital protected structured investment plan that offers a potential early exit return of 35%. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 100 3 Year Deposit Plan	17.25%	3 years	More 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.			More Info >
FTSE 100 Deposit Growth Plan	No limit	5 years	More Info >
5 year capital protected structured deposit plan which aims to return 1.05 x any FTSE 100 growth. Also available for Cash ISA and Cash ISA transfer.			More Info >
Enhanced Growth Plan	40%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 4 x any FTSE 100 growth capped at 40%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Growth Deposit Bond	50%	6 years	More Info >
6 year capital protected structured deposit plan which returns the greater of 9.00% or 1 x any FTSE 100 growth, capped at 50%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Annual Locked-In Return Plan	39%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 6.50% annual growth capped at 39%. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 Kick Out Deposit Plan - Option 2	6.00% 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.			More Info >

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.

Finding the best ISA rates for you will involve looking at what type of account or investment you are looking for, as well as the headline rate offered. Accounts may not allow withdrawals, particular structured investments or fixed rate accounts, while many accounts may have a minimum deposit amount.

Compare more stocks and shares ISAs, including investment funds aiming to deliver capital growth or income:

Stocks and Shares ISAs