Virgin Money Climate Change ISA
 | Investment ISA | N/A | N/A | £50 DD option | £0.00 | £0.00 | 1.75% | No notice periods | Experienced investors with more risk appetite |  |
Virgin Climate Change ISA could be suitable for you if you are looking for an investment that has the potential to outperform the stock market and you are prepared to accept a higher risk in return. The Virgin Climate Change ISA invests in a wide range of mainly European companies that are delivering improved environment performances. This is worth considering if you are exploring investment ISAs.
DETAIL INFORMATION >> | ProductsProductsThe Fund will invest primarily in liquid listed European equities of issuers in all sectors to develop a portfolio of securities of companies which benefit either directly or via sustained competitive advantage from pursuing environmentally aware capitalism
ServicesServices1. You can withdraw your money over the phone or the internet whenever you need it. Your cheque should normally arrive within a few working days.
AdvantagesAdvantages1. The fund looks to grow your money over the long term by investing in specially selected companies who combine the potential for profit growth with a lighter environmental footprint.
2. Invest up to £10,680 this year tax-efficiently through a Virgin ISA.
3. Pay in lump sums from £100 (your first lump sum must be at least £500). Or you can set up regular monthly payments, from £50 upwards.
4. Stop, start or change your payments at any time without penalty.
5. 24 hour online service lets you keep track of your investment, make payments online, and change payments and other details.
6. No notice periods – you can get at your money whenever you want.
7. We charge an annual management fee of 1.75%.There may also be a performance related fee, which will only be applied if we outperform agreed benchmarks.
8. The Virgin Climate Change Fund is an actively managed fund and carries more risk than, for example, a Tracker Fund. Please remember stock market investments can go down as well as up, your capital is at risk and you may not get back all you invest. This is a medium to long term investment and you should be prepared to invest for at least five years. The value of the tax treatment you receive depends on your personal circumstances which may change in the future.
DisadvantagesDisadvantages1. There’s an annual management fee of 1.75%
2. There may be a 20% performance related fee, which we only earn if we outperform agreed benchmarks. This will be reflected in the unit price.
3. The value of your investment can fall as well as rise, so you may not get back the amount you invested.
4. Governments can change the tax relief available to individuals and funds.
5. As this Fund invests outside the UK, the value of your investments may be affected by changes in currency exchange rates. |
RBS Fixed Rate ISAs
 | Cash ISA | 2.60% - 3.95% | Maturity | £1,000 | £0.00 | 90 - 270 days gross interest | £0.00 | 0 Days | Those who can lock their money away for up to 3 years | |
Save up to £5,340 this tax year with a Fixed Rate ISA. Transfer in existing cash ISA balances to increase your tax free earning potential. You are able to tuck away from £1,000 for 1, 2 or 3 year terms. Rates are available from 21st April to 23rd May 2011 for a limited time only – this may be withdrawn at any time.
DETAIL INFORMATION >> | ProductsProductsFixed rate term 1,2 or 3 years
ServicesServicesPre start rate - You will earn interest equivalent to our variable cash ISA rate up until the start date of your Fixed Rate ISA - 20th June 2011.
AdvantagesAdvantages1. Transfer in existing cash ISA balances to increase you tax free earning potential.
2. Interest payable is exempt from UK income tax
3. High interest rate compared to other ISAs
DisadvantagesDisadvantages1. To take advantage of these rates your account must be opened no later than 23rd May 2011.
2. Withdrawals are not allowed – however if you need access to your savings you can close your Fixed Rate ISA, incurring an interest charge. |
Natwest Fixed Rate ISA
 | Cash ISA | 2.60% - 3.95% | Maturity | £1,000 | £0.00 | 90 - 270 days gross interest | £0.00 | 0 Days | Those who can lock their money away for up to 3 years | |
Apply online for a Natwest Fixed Rate ISA, available for 1,2 and 3 year savings term. Save up to £5,340 in your Fixed Rate ISA each tax year. Transfers in are allowed – bring all your cash ISAs together in one place.
DETAIL INFORMATION >> | ProductsProductsFixed rate term 1,2 or 3 years
ServicesServicesYou can transfer in your existing cash ISA balances from NatWest and other financial institutions.
AdvantagesAdvantages1. Save between £1,000 - £5,340 this tax year
2. Transfer in existing cash ISA balances to increase your tax free earning potential
3. Rates available from 21st April - 23rd Mat 011 and on a first come first served basis.
4. Limited offer
DisadvantagesDisadvantages1. Early closure will result in an interest change
2. Withdrawals are not allowed – however if you need access to your savings you can close your Fixed Rate ISA, incurring an interest charge. |
Foresters Friendly Society stocks and shares ISA
 | Investment ISA | Dependent on trust | Annual bonuses once a year | £250 | £0.00 | Aim of being fair to all members | 0% - 3% | Aim of being fair to all members | Anyone who can afford to put the lump sum or monthly contributions aside | |
Foresters Friendly Society stocks & shares ISA is a smart, tax-efficient way to save monthly. It's flexible too – you can access your money or change your monthly Direct Debit amount as it suits you. If you already have a cash ISA, you can transfer it to our stocks & shares ISA for potentially more growth over the long term.
DETAIL INFORMATION >> | ProductsProductsFor more detailed information on how we manage this fund take a look at ' How you share in the profits of Foresters'.
ServicesServicesThere is an Annual Management Charge which is initially set at 2% of the value of your ISA, which will be taken into account when applying bonuses. It will not exceed 3% of the value of your ISA in any one year.
AdvantagesAdvantages1. Save on a monthly basis or invest a lump sum.
2. Annual bonuses may be added to your stocks and shares ISA, with the value of these depending on how much profit the With Profits Fund makes and how we decide to distribute it. The addition of bonuses is not guaranteed and therefore it is possible that the ISA might not receive any annual and/or final bonus from the With Profits Fund. If you're interested in our ISA rates, take a look at our most recent bonus rates.
3. Access your money when you want
4. Keep your ISA as long as you want.
5. Your partner can take out their own ISA as well.
6. Automatically become a Member and access great benefits.
DisadvantagesDisadvantages1. The amount paid on death may be subject to inheritance tax.
2. We will not be able to accept contributions in excess of each year's permitted limits.
3. Your circumstances may change, forcing you to cash in your ISA.
4. The Annual Management Charge is initially set at 2% per annum of the value of your ISA. It will not exceed 3% of the value of your ISA in any one year.
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Legal and General - Stocks and Shares ISA
 | Investment ISA | Dependent on Trust | Monthly | £500 | £0.00 | You can withdraw all your money. | 0.40% - 1.90% | 14 days | Experienced investors | |
Legal & General have designed a range of investment ISAs to suit your needs – whether you’re looking for regular income, want to track a specific stock market, or just need to put something away for the future we can help you invest your allowance. If customers invest a minimum of £5,000 before 30 April they will receive 50% cashback on their annual management charge
DETAIL INFORMATION >> | ProductsProducts1. UK 100 Index
2. UK Index
3. European Index
4. US Index
5. Pacific Index
6. UK Alpha
7. Pacific Growth
8. Growth
9. UK Active Opportunities
10. European
11. North American
12. Japanese
13. Global Growth
14. Worldwide
15. Multi Manager Growth Trust
16. Fixed Interest Trust (Corporate Bond)
17. High Income Trust
18. Managed Monthly Income
19. Managed Income
20. Asian Income Trust
21. Multi Manager Income Trust
22. UK Property
23. Equity
24. Multi Manager Balanced Trust
ServicesServicesIf you have an existing stocks and shares or cash ISA with a different provider, you can transfer it to Legal & General.
AdvantagesAdvantages1. You choose the trust(s), and the amount you want to invest. 2. You can apply online, by phone or request a pack. 3. You can invest more of your money tax efficiently. From the 6th April 2011 ISA limits are increasing to £10,680 so customers can now invest even more in any L&G tax-efficient stocks and shares ISA.DIV>
4. Potential for higher income or growth from your moneythan a cash ISA.
5. Investing in a stocks and shares ISA as well as a cash ISA allows you to diversify your investment portfolio. While your cash ISA may provide you with the security of your initial investment, stocks and shares ISAs have the potential forhigher returns, although they do carry an element of risk.
DisadvantagesDisadvantages1. Both capital and income values may fall as well as rise and are not guaranteed.
2. You may not get back all the money you invest.
3. The value of the tax advantages will depend on your individual circumstances and the tax assumptions we've used are those currently relevant. However tax laws can change over time and can affect your investment.
4. You can transfer from a cash ISA to a stocks and shares ISN, but not from a stocks and shares ISA to a cash ISA.
5. If you withdraw some or all of your ISA investment, you are not able to make any further payments to that ISA in the same tax year, unless you have some unused allowance.
6. Extra expenses apply |
RBS Instant Access Cash ISA
 | Cash ISA | 0.55% - 2.00% | Every March | £1.00 | £0.00 | £0.00 | £0.00 | Anytime | Instant access savings | |
You'll pay no tax on your interest, and you can save from £1. You can also transfer your previous ISAs into our Cash ISA. Apply online and earn 0.55% to 2.00% Gross / AER (variable) - with instant access
DETAIL INFORMATION >> | ProductsProductsYou can withdraw your money or close your account at any time.
ServicesServicesIt's simple to move a cash ISA (including a previous TESSA-only ISA) to RBS.
AdvantagesAdvantages1. Tax-free interest - so your savings can grow fast
2. Instant access - get your money when you need it
3. Manage your ISA - do your banking in-branch, online and on the phone
4. Interest calculated daily and paid at the end of every March. We can pay the interest into your Instant Access Cash ISA or another Royal Bank of Scotland account
5. Set up and track your own personal savings goals - through Digital Banking
DisadvantagesDisadvantages1. Because of their tax advantages, there is a limit on how much you can deposit in cash ISAs during any tax year. This limit is currently £5,340. Once you have deposited the maximum allowed, you won't be able to make any more deposits in that tax year, even if you have made withdrawals. |
Halifax ISA Saver Fixed
 | Cash ISA | 2.25% - 4.40% | Annually | £500 | £0.00 | Ask on application | £0.00 | No withdrawals allowed | If you can put away your money for a while and not touch it | |
If you can put away your money for a while and not touch it, our ISA Saver Fixed gives a fixed rate - so you’ll know exactly how much interest you’ll get back. And, best of all, it’s tax free.
DETAIL INFORMATION >> | ProductsProductsISA
ServicesServices1. In branch
2. By phone
3. Online (View only)
AdvantagesAdvantages1. All interest paid tax free
2. Rates guaranteed for length of term for peace of mind
3. Transfers in benefit from our ISA Promise
DisadvantagesDisadvantages1. Minimum opening deposit of £500
2. Maximum deposit £5,340 (2011/12 tax year)
3. No withdrawals or additional deposits |
Barclays Investment ISA
 | Investment ISA | Dependent on trust | Annually | £3000 | £0 | 0 days | 0% | Ask on application | Both experienced and inexperienced investors | |
We can help you make the most of your annual ISA allowance – because all our investment products can be placed in an investment ISA (also known as a stocks & shares ISA). So if you’re looking to compare ISAs, just check out our investment products and find one that suits you.
DETAIL INFORMATION >> | ProductsProductsInvestment products available within an ISA:
1. Fixed term investments
2. Ready-made solutions
3. Build your own portfolio
ServicesServices1. Select from a range of funds provided by reputable investment companies, including JP Morgan, Fidelity and Barclays Wealth
AdvantagesAdvantages1. 0% initial fees on all funds (other charges apply)
2. Select from a range of funds provided by reputable investment companies, including JP Morgan, Fidelity and Barclays Wealth
3. Find a product that fits into your investment plan
4. Track the up-to-date performance of all your Barclays investments in 1 place
5. Use our memo tool once logged in to track the performance of investments bought elsewhere
6. 24/7 secure online access
DisadvantagesDisadvantages1. The value of investments can go down as well as up, so you could get back less than you invested |
Virgin FTSE All-Share ISA
| Investment ISA | N/A | N/A | From £1 per month | £0.00 | £0.00 | 1% | No notice period | Investors with more risk appetite | |
When it comes to the stock market, it’s hard to decide which shares to buy and when. The Virgin Tracker ISA does the work for you, spreading your investment across all 600+ companies on the FTSE All-Share Index. So you get a balanced investment in different industries and sectors and benefit from any stock market growth.
DETAIL INFORMATION >> | ProductsProductsVirgin FTSE All-Share ISA's tracker fund buys shares in every one of the 600+ companies listed on the UK's FTSE All-Share Index - ideal if you are new to investing, as it doesn't put all your eggs in one basket. It then tracks the market every step of the way, and because your savings lock on to the returns of the whole index, you will never miss out on any stock market growth
ServicesServicesTake your money out whenever you need to – there are no notice periods.
AdvantagesAdvantages1. A simple way to benefit from overall stock market growth, without having to predict which shares to buy and when.
2. Automatically invests in all 600+ companies listed on the UK's FTSE All-Share Index – spreading your money across different industries and sectors.
3. You benefit from any overall stock market growth while spreading your risk.
4. No need to spend precious time managing your investments – it’s all taken care of for you. 5. Save just a little each month or up to £10,680 a year.
6. You can invest by phone, online or by post – and you can transfer existing ISAs from other providers into the Virgin Tracker ISA.
7. Pay in lump sums or regular monthly amounts, starting from just £1.
8. You can stop, start or change your payments at any time without penalty.
9. Take your money out whenever you need to – there are no notice periods.
DisadvantagesDisadvantages1. Investing in the stock market is riskier than other ways of saving such as a deposit account. Your money can go up and down in value and your returns are not guaranteed. You may not get back all you invest. To increase your chances of a decent return you should be prepared to invest for at least 5 years. The value of the tax benefit depends on individual circumstances and may change in the future |
Halifax ISA Saver Online
| Cash ISA | 2.60% | Annually | £1 | £0.00 | £0.00 | £0.00 | Unlimited withdrawals | Internet-only ISA | |
Our internet-only ISA Saver Online helps you make the most of your tax free allowance, whilst giving you the flexibility and peace of mind of easy access to your savings.
DETAIL INFORMATION >> | ProductsProductsCash ISAs
ServicesServicesView your latest balance, interest rate, and statement using our Online Banking service, 24/7.
AdvantagesAdvantages1. Interest paid tax free
2. Open from just £1 and save in a way that suits you
3. Easy access to your savings
4. Transfers in benefit from our ISA Promise
DisadvantagesDisadvantages1. Maximum savings £5,340 annually (tax year 2011/2012)
2. Available from age 16 onwards |
Barclays Stockbrokers Investment ISA
 | Investment ISA | 0% - 4% below Barclays Base Rate | Annually | £250 | 1.5%. | £50 + VAT | From £30 + VAT | Apply to confirm | Experience investors | |
With a Barclays Stockbroker you can invest up to £7,200 each year. You have complete control over your investments allowing you to structure a portfolio which meets your investment objectives and risk profile. You also have easy access to your funds and access to a wide range of products.
DETAIL INFORMATION >> | ProductsProducts1. Shares
2. Exchange Traded Funds (ETFs)
3. Gilts and bonds.
4. Exchange Traded Commodities (ETCs)
5. Funds and structured products
ServicesServices1. Transfer an existing ISA from another provider and they will help with the transfer costs and charges.
2. Available online or over the phone.
3. Automatic dividend reinvestment purchases are charged at a flat rate commission of 1.0% (minimum £1, maximum £7.50).
4. The initial charge for buying funds through Funds Market is 1.5%. Other funds vary according to the fund manager.
AdvantagesAdvantages1. Complete control over your investments.
2. Access to a wide range of products.
3. Easy access to your ISA funds.
4. You can access and view your ISA account online anytime, anywhere.
5. If you only have funds in your Investment ISA you will pay no administration fees as long as you have a cash balance of less than £500.
DisadvantagesDisadvantages1. The value of investments can fall as well as rise and you may get back less than you originally invest.
2. Administration charges - portfolio value of £7,500 or less: £30 per annum plus VAT Portfolio value of more than £7,500: £50 per annum plus. VAT Fees will be charged six monthly in arrears.
3. Closure of account will cost £50 + VAT
4. For Managed ISAs the minimum additional subscription is £2,000. |
NatWest e-ISA
 | Cash ISA | 1.98% - 2.50% | Monthly | £1.00 | £0.00 | £0.00 | £0.00 | 30 days | Online savers | |
The NatWest e-ISA is an online product with interest rates that are tiered depending on the amount you invest. You are free to withdraw your money when you wish without incurring penalties. Online banking gives you full control over your banking needs, you can check your balance, your interest and make transfers to and from your NatWest account anytime you wish.
DETAIL INFORMATION >> | ProductsProducts1. Transfer money in from more than one bank account or building society.
ServicesServices1. Open your account online.
2. You an open your account from as little as £1.00
AdvantagesAdvantages1. Set up a regular transfer from your other NatWest account.
2. Set up and track your own personal savings goals.
3. Monthly tax free interest.
4. Manage your account online.
DisadvantagesDisadvantages1. You can only deposit a maximum of £5,340 over the entire tax year. |
Nationwide e-ISA
 | Cash ISA | 3.10% | Monthly | £1.00 | £0.00 | £0.00 | £0.00 | Instant Access | This account can only be managed online | |
Receive a great tax-free rate of 3.10% gross p.a./AER variable and instant access with unlimited withdrawals and deposits up to your annual limit. Manage your account online and open your account with as little as £1.
DETAIL INFORMATION >> | ProductsProductsTransfer in funds from your existing cash ISAs and as part of our Savings Promises you will start earning interest as soon as we receive your application
ServicesServicesInstant access with unlimited withdrawals and deposits up to your annual cash ISA limit
AdvantagesAdvantages1. A great tax-free rate of 3.10% gross p.a./AER variable
2. Instant access with unlimited withdrawals and deposits up to your annual cash ISA limit
3. Open your account with as little as £1
4. Transfer in funds from your existing cash ISA and as part of our Savings Promises you will start earning interest as soon as we receive your application
5. Manage your account online
DisadvantagesDisadvantages1. This account can only be managed online
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Natwest Cash ISA
| Cash ISA | 0.50% - 2.00% | Monthly | £1.00 | £0.00 | £0.00 | £0.00 | 30 days | Customers who prefer to bank in branch | |
You'll pay no tax on your interest, and you can save from £1. You can also transfer your previous ISAs into our Cash ISA. Instant access - manage your savings online, via telephone or visit one of our branches.
Save up £5,340 in your Cash ISA each tax year
DETAIL INFORMATION >> | ProductsProductsAccess by Phone, Branch, Post and Online
ServicesServices1. You will need to open an instant access savings account which can be managed at a branch in the UK. We will use this account to hold your money if you accidentally put more than £3600 a year into your Cash ISA.
AdvantagesAdvantages1. Access by Phone, Branch, Post and Online.
2. No penalties for withdrawing money.
3. Fast transfers between your Natwest accounts.
4. You can set up and track your own personal savings goal online.
DisadvantagesDisadvantages1. Standing Order and Direct Debit payments are not permitted on your account |
