ISA - INDIVIDUAL SAVINGS ACCOUNTS (Cash ISA) 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.

Filter report by:
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
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.
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
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.