ISA Rules
ISA Rules
FREE Brochure on Managing Your ISA Funds »
ISAs are Individual Savings Accounts that allow you to save money and accrue interest that is not eligible for tax. ISAs are beneficial because they usually offer higher rates of interest than standard savings accounts for fixed terms. However, with the benefits, there are also ISA rules, which include:
- You can only pay in a total of £7,200 per tax year (a maximum of £3,600 in cash)
- Withdrawals can incur a loss of interest
- Closing the account before the end of its term can incur penalties
- Notice is sometimes required to be given for withdrawals
To find the best deal for you, an ISA with rules that will suit how you wish to handle your account, compare a number of providers which all offer a range of ISAs. You can compare ISA rules with the table below and find the right ISA for you.
ISA investments are protected from tax on any income or capital gains made from them.
Get your FREE ISA brochures or check the table below for a selection of current ISA offers:
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Please bear in mind that:
Investment ISAs are designed as medium to long term investments, for example at least five years.
The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
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.
If you choose an index-tracking trust which invests overseas, exchange rate variations may cause the value of your investment to increase or decrease.
If you unsure what Investment ISA plan is right for you speak to an independent investment adviser.