ISAs - CASH ISA

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Please see a list of CASH ISA providers below. Use the chart to compare the main features of each provider and consider questions like what is the withdrawals policy? What is the minimum investment? And what is the interest rate? Each tax year (6th April to the following 5th April) you can invest up to 15,240 in a Cash ISA. Even if you find that you have no money to invest in the current tax year, you are still able to transfer your ISA to another provider if you feel you will get a better rate. One important thing to consider, however, if you undertake an ISA transfer, ensure that you inform your new provider so you can complete a form to allow your old and new ISA providers to liaise with each other - that way you protect your savings' tax free status. Remember, with Cash ISAs if you do not use your years investment allocation you lose it.

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If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

PROVIDERTYPE

TYPE

ISA Type

AER

AER

Annual Equivalent Rate

PAID

PAID

How often ISA pays out

MIN

MIN

Minimum investment

MAX

MAX

Maximum investment

INITIAL FEE

INITIAL FEE

Initial start up fees

EXIT FEE

EXIT FEE

Exit fees

MANAGEMENT FEE

MANAGEMENT FEE

Magagement fees

NOTICE

NOTICE

Duration required to remove funds

PRODUCTS

PRODUCTS

Products were funds are invested

SUITABLE FOR

SUITABLE FOR

Who the fund is suitable for

TERMS

TERMS

Terms and conditions of the pension

MORE INFO

Aldermore 30 Day Notice Cash ISA
Aldermore 30 Day Notice Cash ISA

Cash ISA1.30%Monthly or Annually.1,00015,240 per tax year0.000.000.0030 DaysProducts

Products

Cash ISA

Suitable For

Suitable For

If you need reassurance - the interest rate on our Notice Cash ISAs is guaranteed to be at least 0.55% above Base Rate** until 1 May 2016

Terms and Conditions

Terms

Paying money in Direct Debit, Transfer from another provider, BACS, Cheque, Faster Payments, Standing Order, CHAPS

Aldermore 30 Day Notice Cash ISA
With an Aldermore Notice Cash ISA, you can build up funds and enjoy a great tax-free rate. Just make sure you give Aldermore notice, then you can make as many withdrawals as you like. Open a Notice Cash ISA with Aldermore Bank today. Its easy, convenient and secure. Open an account, complete identity checks and move your money in minutes. DETAIL INFORMATION >>Services

Services

Fast and easy setup - open an account, complete identity checks and move your money in minutes


Advantages

Advantages

1. Tax-free, straightforward interest rate - no hidden bonuses or introductory offers
2. Reassurance - the interest rate on our Notice Cash ISAs is guaranteed to be at least 0.55% above Base Rate** until 1 May 2016
3. Maximise your tax-free allowance easily transfer ISAs from other providers. Well process the transfer electronically if we can or well provide an ISA Transfer Form for you to complete and return to us. With a Notice Cash ISA, you can transfer in an ISA at any time, so you can print another transfer form if you need one.
4. Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
5. Fast and easy setup - open an account, complete identity checks and move your money in minutes
6. Accessible - open an account with just 1,000
7. Add to your tax-free saving whenever you like (subject to HMRC ISA rules)
8. Unlimited withdrawals - subject to notice. Early withdrawals will be subject to a deduction of interest
9. Easy to manage - do it online, by phone or by post
10. Great value - no fees or charges for day-to-day account services


Disadvantages

Disadvantages

1. You should keep at least 1,000 in your account at any one time (a gross interest rate of 0.50% will be paid on balances below this amount)

Aldermore Fixed Rate ISA
Aldermore Fixed Rate ISA

Cash ISA1.50% - 1.85%Yearly1,00015,240 per tax year000Deduction of InterestProducts

Products

Online account management

Suitable For

Suitable For

If you have a deposit of 1000

Terms and Conditions

Terms

You must be over the age of 18 years old to apply.

Aldermore Fixed Rate ISA
Relax in the knowledge that your savings are protected from interest rate fluctuations. With the Fixed Rate ISA you get a guaranteed and tax-free interest rate. Open a Fixed Rate Cash ISA with Aldermore Bank to get a great return. Its easy, convenient and secure. Open an account, complete identity checks and move your money in minutes. DETAIL INFORMATION >>Services

Services

Early withdrawals permitted subject to a deduction of interest: 1 Year - 120 days, 2 Year - 180 days, 3 Year - 180 days. A gross interest rate of 0.50% will apply if the balance falls below 1,000.


Advantages

Advantages

1. Peace of mind - tax-free interest rate, fixed for a set period and we will personally write to you before your account matures
2. Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
3. Maximise your tax-free allowance easily transfer ISAs from other providers. Well process the transfer electronically if we can or well provide an ISA Transfer Form for you to complete and return to us. Please ensure that any ISA Transfer Forms are returned within ten business days of opening the account
4. Fast and easy setup - open an account, complete identity checks and move your money in minutes
5. Open an account with just 1,000
6. Flexible - withdraw cash early if you need to (subject to interest deduction)
7. Easy to manage - do it online, by phone or by post
8. Great value - no fees or charges for day-to-day account services


Disadvantages

Disadvantages

1. You should keep at least 1,000 in your account at any one time (a gross interest rate of 0.50% will be paid on balances below this amount)

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

Compare Cash ISA

What is a cash ISA?

There are two types of Individual Savings Accounts (ISA) cash ISA and stocks and shares ISA. With a cash ISA you do not pay tax on the interest that you earn. This is as opposed to a savings account where you would pay tax for example on fixed rate bonds and easy access accounts. A cash ISA is a tax efficient way to save money or invest your hard earned money. If you are thinking about how to save your money, with low risk to your investment, a cash ISA is a great place to start. Bear in mind that there is an allowance each tax year - the allowance for the 2015/2016 tax year is 15, 240. You are not allowed to invest more than this in a tax year.

How old do I need to be to invest in an Cash ISA?

You must be at least 16 years old to open a cash ISA which is much younger than an investment ISA. This is partly to do with the risk that is associated with investment ISAs. When researching which ISA is best to invest your money in, it is worth thinking about your age. How long are you planning to invest your money? How much risk are you willing to take? How much money are you planning to invest? With a cash ISA you will not be taking on so much risk with your investment.

What are the benefits of a cash ISA?

There are a range of different cash ISAs on the market designed to meet the needs of different people. You can choose from instant access which is great if you think you might require your funds quickly or if your circumstances change. There are cash ISAs which help you save regularly every month so that you can grow a nest.

Can I transfer my cash ISA?

Yes you are able to transfer your cash ISAs from previous years allowances into a new cash ISA. To prevent your money losing its tax free status, you will need to ensure you do this officially with the help of your provider. Do not just withdraw the cash otherwise you run the risk of losing the tax free status. Speak to your provider so that you protect your allowances and investment.

Things to consider about Cash ISA's

Every tax year you can only choose one provider to have a cash ISA with this is something that you should research carefully as all providers have different benefits and interest rates. Do you require instant access? Do you have a lump sum to invest or do you plan to make monthly repayments? Do you require online access? Do you need to add minimum funds each month? Do you require a variable or fixed interest rate? Questions to consider when you are looking at which cash ISA to open.

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