ISA - INDIVIDUAL SAVINGS ACCOUNTS Download to Excel

Please see ISA providers below. Use the chart to compare the main features of each one and consider questions like what type of ISA are you looking for? How much will you need to deposit as a minimum?

Investment Information

A Cash ISA is one of the simplest and 'safest' ways to save money and accumulate interest in a tax-efficient way. An Investment (or Stocks and Shares) ISA can go up or down in value according to the performance of the investments.

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All Individual Savings Accounts Cash ISA Investment ISA

Make sure you discuss with a financial adviser which type of investment or savings plan is appropriate for your personal circumstances. Make sure you find out whether you can stop or access your ISA – is the notice period instant or will you have to wait before you can make any changes? It is essential to do this before you begin your ISA.

Finally, consider your risk appetite – are you an experienced investor who can handle a bit of risk or are you someone who would prefer to steer clear of investments that might change in value? Once you have chosen an account, simply click on the Apply button.

PROVIDER	TYPE	AER	PAID	MIN	INITIAL FEE	EXIT FEE	MANAGEMENT FEE	NOTICE	SUITABLE FOR	APPLY
TD Waterhouse Stocks and Shares ISA	Investment ISA	0%	Dependent on fund	£100	£0.00	N/A	£10 + VAT per quarter	Apply to confirm	Options to suit all types of investor
TD Waterhouse Stocks and Shares ISA	TD Waterhouse Stocks and Shares ISA allows you to invest up to £7,200 in a tax year. This self select trading ISA puts you fully in control as you decide what to invest in. You can tailor your investments to match your own appetite for risk, however, the value of your investments may go down as well as up. MORE INFORMATION >>								Products Products 1. Aberdeen Unit Trusts & OEICs 2. Artemis Fund Managers Ltd 3. Aviva Investors 4. AXA Framlington 5. AXA Investment Managers 6. Baillie Gifford 7. Baring Asset Management 8. BlackRock Investment Management (UK) Limited 9. BNY Mellon Asset Management 10. Brown Shipley 11. Fidelity Investments 12. First State Investments UK Ltd 13. Franklin Templeton Investments 14. Henderson Global Investors 15. HSBC Global Asset Management 16. Invesco Perpetual 17. JO Hambro Capital Management Ltd 18. Lazard Fund Managers 19. Legal & General Unit Trust Managers Limited 20. Marlborough Fund Managers Limited 21 Martin Currie Unit Trust Managers 22. Neptune 23. Octopus Investments 24. Old Mutual Fund Managers 25. Rathbone Unit Trust Management Ltd 26. Rensburg Fund Management Ltd 27. Scottish Widows Investment Partnership 28. Threadneedle 29. Allianz Global Investors 30. F&C Fund Management Ltd 31. Gartmore Fund Managers Ltd 32. Ignis Asset Management Ltd 33. Investec Asset Management Limited 34. JP Morgan Asset Management (UK) 35. Jupiter Unit Trusts Managers 36. Lincoln 37. New Star Investment Funds 38. Premier Portfolio Managers Ltd 39. Schroders 40. M&G UK Services Services 1. You can tailor your investments to match your own appetite for risk by choosing from: UK and international equities, bonds & gilts, investment trusts, unit trusts & OEICs and Exchange Traded Funds. Advantages Advantages 1. No Annual Administration fee on any ISA with a balance of more than £3,600. 2. Control your own investment by choosing from a wide range of investment options. 3. Mix and match investments from any fund management group within one ISA. More than 1120 discounted funds to chose from. 4. Trade online or by Telephone. 5. Stock held for you by our Nominee Service. Disadvantages Disadvantages 1. ISA accounts with a value on the last business day in May each year of £3,599.99 or less will be charged an annual administration fee of £30 plus VAT on or around the first business day in June. 2. The value of your investments may go down as well as up. You may not get back all the funds that you invest. 3. Stocks & Shares ISA cannot be transferred back into a Cash ISA
Legal and General - Stocks and Shares ISA	Investment ISA	Dependent on trust	Monthly	£500	N/A	Apply to confirm	0.40% - 1.90%	14 days	Experienced investors
Legal and General - Stocks and Shares ISA	Invest early and make every day count with Legal & General. Invest at least £3,600 in any of our eligible stocks and shares ISAs before 30 April 2010 to enjoy more tax-efficiency and growth potential. Plus 50% back on your 2010 annual management charge. MORE INFORMATION >>								Products Products 1. 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 Services Services If you have an existing stocks and shares or cash ISA with a different provider, you can transfer it to Legal & General. Advantages Advantages 1. 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. Take advantage of your full £7,200 ISA limit. Currently you can only invest up to £3,600 of your ISA limit into a cash ISA but you can invest the remainder or your whole £7,200 limit into a stocks and shares ISA. 4. If you’re 50 or over on or before 5 April 2010, you can invest up to £10,200 into a stocks and shares ISA. 5. As of 6 April 2010, everyone’s ISA allowance will increase to £10,200. 6. Potential for higher income or growth from your moneythan a cash ISA. 7. 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. Disadvantages Disadvantages 1. 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
Virgin Money Climate Change ISA	Investment ISA	Dependent on fund	Apply to confirm	£500	£0.00	£0.00	1.75%	No notice periods	Experience investors with more risk appetite
Virgin Money Climate Change ISA	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 high risk in return. The Virgin Climate Change ISA invests in a wide range of mainly European companies that are delivering improved environment performances. MORE INFORMATION >>								Products Products The 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 Services Services 1. 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. Advantages Advantages 1. Invest by transferring existing ISAs to us. 2. Take your money out whenever you need to - there are no notice periods. 3. The Virgin Climate Change ISA invests in specially selected businesses (predominantly in the UK and Europe) who aim to drive outstanding profit growth and have a lighter environmental footprint. 4. Full statement sent twice a year. Disadvantages Disadvantages 1. 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 savings and the income you get from them 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.
Barclays Golden ISA (Issue 2)	Cash ISA	2.08%	Monthly	£1.00	£0.00	£0.00	£0.00	30 days	You if you want instant access to your cash
Barclays Golden ISA (Issue 2)	The Barclays Golden ISA (Issue 2) pays a high interest rate of 2.08% AER with a fixed 1% bonus for the first 12 months. You can manage your account online, 24/7 and open you account from £1.00. The Barclays Golden ISA (Issue 2) does not, however, allow you to transfer in funds from another ISA account. MORE INFORMATION >>								Products Products 1. Account can be included within an offset mortgage arrangement if you have a Woolwich Offset Mortgage. 2. Withdrawals can be made at any time without any notice period, charge or loss of interest. Services Services 1. Earn interest on your savings tax free. 2. You have access in branch. Additionally if you are a Barclays current account holder you can access your account by phone or online. Advantages Advantages 1. Open from as little as £1.00. 2. Instant access. 3. Withdrawals can be made at any time without any notice period, charge or loss of interest. Disadvantages Disadvantages 1. Transfers-in of funds from another ISA are not allowed. 2. You can only invest a maximum of £5,100 in the 2010/2011 tax year, regardless of any withdrawals made. 3. You must apply in a branch.
The Co-operative Stocks and shares ISA	Investment ISA	Dependent on fund	Varies between funds	£50.00	5%	Dependent on fund	1% - 1.5%	14 days	Options to suit all types of investor
The Co-operative Stocks and shares ISA	The Co-operative Stocks and Shares ISA is a tax efficient way to invest in Unit Trusts. You can invest either a lump sum of £1,000 or £50 monthly payments and up to £7,200 a year. A discount of 3.5% will be applied to lump sum applications for investors applying online. Application must be received before 31st December 2010. MORE INFORMATION >>								Products Products 1. Sustainable Leaders Trust 2. Sustainable Diversified Trust. 3. Sustainable World Trust. 4. UK income with Growth Trust 5. UK Growth Trust. 6. Corporate Bond Income Trust. 7. European Growth Trust. Services Services 1. The Co-operative Investments offers eight funds managed by a Manchester-based team of responsible investment professionals who specialise in investing mainly in UK companies. 2. The Co-operative Investments offer 6 Unit Trust funds for your stocks and shares ISA to suit a wide range of needs and preferences; you can choose one or more funds for your ISA Advantages Advantages 1. A tax efficient way to invest in unit trusts. 2. Receive half yearly statements. Disadvantages Disadvantages 1. Invest a lump sum of £1,000 or £50 each month. 2. If you withdraw money placed within an ISA in the same tax year, you will not be able to use that part of your allowance again. 3. If you intend to make withdrawals from your Co-operative Investments Unit Trust investment, this will affect the potential for investment growth or income. 4. Managing the trust, such as trustee fees, will be 0.1%
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
Barclays Stockbrokers Investment ISA	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 ISA funds and access to a wide range of products. MORE INFORMATION >>								Products Products 1. Shares 2. Exchange Traded Funds (ETFs) 3. Gilts and bonds. 4. Exchange Traded Commodities (ETCs) 5. Funds and structured products Services Services 1. 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. Advantages Advantages 1. Complete control over your investements. 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. Disadvantages Disadvantages 1. 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 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
Natwest Cash ISA	The NatWest Cash ISA allows you to invest up to £3,600 or £5,100 if you are 50 or over by 5 April 2010, over the entire tax year. You can manage your NatWest Cash ISA by phone, online, post or in-branch, plus you can transfer previous ISA’s into your new account. You can save from a minimum of £1.00 and you will not need to pay any tax on your interest. MORE INFORMATION >>								Products Products 1. Access by Phone, Branch, Post and Online Services Services 1. 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. Advantages Advantages 1. 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. Disadvantages Disadvantages 1. You can only deposit a maximum of £3600 or £5,100 if you are 50 or over by 5 April 2010, over the entire tax year. 2. Standing Order and Direct Debit payments are not permitted on your account
Barclays Fixed Rate Investment ISA	Investment ISA	4%	Annually	£3,600	£0.00	1%	Up to 5%	14 days	You if you are happy to keep your money invested for at least five years
Barclays Fixed Rate Investment ISA	The Barclays Fixed Rate Investment ISA has a term of 5 years during which you can choose to receive 4% gross income each year. As this is a fixed 5-year term investment, if you sell your plan before maturity you are likely to receive back less than you invested. MORE INFORMATION >>								Products Products 1. The Income Option offers investors a regular annual income paid in arrear, plus full repayment of their capital at maturity. 2. The Growth Option offers investors a fixed return at the end of the term, plus full repayment of their capital at maturity. Services Services 1. The ISA has a term of five years during which you can choose to receive 4% gross income at the end of each year, or you could choose not to take an income and receive a lump sum return of 22.25% (annualised 4.45% for comparison purposes) at the end of the 5 year term. Advantages Advantages 1. Potentially higher regular income return than most savings accounts, provided you leave your investment in for the full term. 2. The Growth Option offers a fixed gross return of 22.25% paid at the end of the term. 3. The Income Option offers a regular annual income of 4% paid annually in arrear. Disadvantages Disadvantages 1. If you sell your plan before maturity you are likely to receive back less than you invested. 2. You do not have access to your funds. 3. Charges are expected to be around 5% of your original investment.
Virgin FTSE All-Share ISA	Investment ISA	Dependent on fund	Apply to confirm	£500	£0.00	£0.00	1%	N/A	New to investing
Virgin FTSE All-Share ISA	With the Virgin FTSE All-Share Tracker ISA you invest in the long term potential of stock market shares. You can invest up to £7,200 this tax year and take your money out whenever you need to; there are no notice periods for this account. There is, however, an annual management fee of 1%. MORE INFORMATION >>								Products Products 1. Pay in lump sums or regular monthly amounts, starting from £1 Services Services 1. Because you are investing in every company in the FTSE All-Share index, you get the benefit of the long-term upward trend of the market rather than the movement of individual shares which can rise and fall a lot more. 2. Two statements are sent annually Advantages Advantages 1. Invest by transferring existing ISAs to us. 2. Take your money out whenever you need to - there are no notice periods. 3. The tracker fund buys shares in every one of the 600+ companies listed on the UK's FTSE All-Share Index. 4. Your money is invested in over 600 companies Disadvantages Disadvantages 1. The income you get can fall as well as rise, so you may not get back the amount you invested. 2. Governments can change the tax relief available to individuals and funds.
Santander Direct ISA (Issue 6)	Cash ISA	0.50% - 2.75%	Yearly	£1.00	£0.00	£0.00	£0.00	30 days	Age 16 or over.
Santander Direct ISA (Issue 6)	The Santander Direct ISAN (issue 6) provides instant access to your savings and the option to transfer in cash ISAs from other providers. You are able to start saving from as little as £1.00 and access or manage you account anytime. MORE INFORMATION >>								Products Products 1. You can choose to have interest paid into your Direct ISA account or into a different Santander account if you wish. Services Services 1. Instant access to your savings 2. Option to transfer cash ISAs from other providers 3. Access account in branch, by phone or online Advantages Advantages 1. You can open your account from as little as £1. 2. We won't charge you to transfer in funds from cash ISAs you hold elsewhere. 3. You have instant access to your account. 4. Earn 2.75% AER on balances above £9000 Disadvantages Disadvantages 1. If you use up your allowance and then take money out of your ISA, you cannot pay that money back in until the start of a new tax year.
NatWest e-ISA	Cash ISA	1.98% - 2.50%	Monthly	£1.00	£0.00	£0.00	£0.00	30 days	Online savers
NatWest e-ISA	The NatWest e-ISA is an online ISA 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. MORE INFORMATION >>								Products Products 1. Transfer money in from more than one bank account or building society. Services Services 1. Open your account online. 2. You an open your account from as little as £1.00 Advantages Advantages 1. 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. Disadvantages Disadvantages you can only deposit a maximum of £3,600 or £5,100 (if you are aged 50 or over by 5 April 2010) over the entire tax year.
Alliance Leicester Flexible ISA	Cash ISA	0.50% - 3.50%	Annually	£1.00	£0.00	£0.00	£0.00	30 days	You if you want instant access to your cash
Alliance Leicester Flexible ISA	The Alliance and Leicester Flexible ISA guarantee that you will never earn less than 3.50% AER tax free variable for 12 months. You can manage your account online, over the telephone or in branch and you will receive the option to pay money into your account whenever you want (subject to ISA limits) by transferring money online. MORE INFORMATION >>								Products Products 1. You can open your account in branch or online. 2. You can manage your account online, in branch or by phone. 3. You will receive a statement in March each year Services Services 1. Pay money in whenever you would like. Advantages Advantages 1. Instant access. 2. Account operation by branch, online and telephone. 3. Penalty free withdrawals. 4. High interest rate for the first 12 months. Disadvantages Disadvantages 1. After 12 months your account will pay a variable rate, currently 0.50% AER tax free (variable). 2. Cash ISA transfers in are not allowed.
HSBC Cash e-ISA	Cash ISA	1.75%	Monthly	£1.00	£0.00	£0.00	£0.00	30 days	You if you want instant access to your cash.
HSBC Cash e-ISA	The HSBC cash e-ISA is available exclusively to Personal Internet banking customers and can be easily opened and managed online. You can invest one lump sum, or save gradually throughout the tax year. Your interest is paid monthly and you can open your account from as little as £1.00. This is perfect for you if you want instant access to you cash. MORE INFORMATION >>								Products Products 1. Choose how you want to save – monthly payments or lump sum deposits, it's up to you Services Services 1. Transfer in from other Cash ISA providers accepted. 2. Instantly access and manage your savings and interest online, in branch, post or telephone/ Advantages Advantages 1. Transfer in from other Cash ISA providers accepted. 2. Choose how you want to save – monthly payments or lump sum deposits, it's up to you 3. Interest paid monthly. 4. Open your account from as little as £1 5. Instantly access and manage your savings and interest online 6. Variable rate of 1.75% AER (1.74% tax free) Disadvantages Disadvantages 1. If you have fully subscribed your tax-free allowance in a tax year, any amount withdrawn cannot be reinvested until the following tax year
RBS Instant Access Cash ISA	Cash ISA	0.55% - 2.00%	Annually	£1.00	£0.00	£0.00	£0.00	30 days	You if you want instant access to your money.
RBS Instant Access Cash ISA	The RBS Instant Access Cash ISA allows you to earn a 0.5% fixed bonus for 12 months when you apply to transfer in funds from another ISA provider between 1st February 2010 to 30th April 2010. You have instant access to your money and can start saving from as little as £1.00. Manage your account online, by phone or in branch. MORE INFORMATION >>								Products Products 1. Interest is calculated daily and paid at the end of March every year. Services Services 1. Manage your account online, by phone or in the branch. 2. Set up and track your own personal savings goals Advantages Advantages 1. Instant access to your money when you need it. 2. Manage your account online, in the branch or by phone. 3. Set up and track your own personal savings goals Disadvantages Disadvantages 1. Transfers from other ISA providers to qualify for the 0.5% bonus excludes transfers within the RBS Group, which includes NatWest. 2. You cannot deposit more than £3,600.