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Best Cash ISAs compared - Review both Fixed Rate and Variable Individual Saving Accounts

Cash ISA accounts come with a wide variaty of features - we compare rates and transfer options

Best Cash ISA's

Cash ISA Best Buy Tables


Instant Access ISAs

Fixed Rate ISA's

Detailed ISA information

Put in its simplest terms (more detailed information is further down the page), cash ISAs are savings accounts any UK adult can use to deposit up to £15,240 per tax year in, on which no tax is payable on the interest. Once you have put your money in, it continues to retain its tax-free status into the future, so you can, over the years, build a significant ISA balance, but if you don't use a year's allocation you lose it.

You can have ISAs with any number of institutions, but you can only put new money in to one cash ISA per tax year. You need to be 16 or over to have an ISA.

See some of the UKs leading ISAs below

Instant Access ISA's

CompanyAccount NameInitial Rate %Bonus Rate %AER %*Initial DepositTransfers InFSCS ProtectionAccessBonus Expiry DateMore Info
Mansfield Building SocietyEasy Access Cash ISA0.9500.95£1YesYesPostal or in branchMore Info
The Mansfield is a stand alone building society and has its own FSCS protection.
Manchester Building SocietyEasy Access Cash ISA0.8500.85£1,000YesYesBranch (6 around Manchester) or PostN/AMore Info
NS&IDirect Isa101£1NoYesApply online or by phoneN/AMore Info
Backed by HM Treasury so all money invested is 100% secure. Allows unlimited withdrawals from the account.
Coventry Building SocietyEasy Access ISA Issue 41.101.1£1NoYesOnline, branch or PhoneMore Info

*Equivalent Annual rate

Fixed Rate ISA's

CompanyAccount NameAER %*Initial DepositTransfers InFSCS ProtectionEarly Withdrawal PenaltyAccessMore Info
Virgin Money5 year Fixed Rate ISA Issue 2391.51£1YesYes180 days loss of interest on amount withdrawnOnline / Branch / PostMore Info
Bank of Cyprus1 Year Fixed Rate Cash ISA1.05£500YesYesPartial withdrawals not permitted. 180 days interest fee on early closures.OnlineMore Info
Virgin Money3 year Cash E-ISA Issue 2101.25£1YesYes180 days loss of interest on amount withdrawnStore, telephone, post or onlineMore Info

*Annual Equivalent Rate

Detailed ISA Information

What's an ISA?

With an ISA you can save up to £15,240 in the 2016/17 tax year and not pay UK tax on the income you receive from your investment.

A tax year runs from 6 April to 5 April the following year.

For cash ISAs, you can only invest with one provider in any one tax year, but can have many different providers if you have held them over a number of years.

You can hold a cash ISA, or a stocks and shares ISA (one that is invested in stocks and shares traded on the Stock Exchange). You can only invest £15,240 in total in a tax year between the two types of ISA.

Transferring an ISA

You can transfer your cash ISA to another ISA manager, either into another cash ISA or into a stocks and shares ISA.

From the tax year 14/15 you can now also transfer your stocks and shares ISA to another ISA manager, either into another cash ISA or into a stocks and shares ISA.

You are able to transfer some or all of the money saved in previous tax years without affecting your annual ISA investment allowance.

Getting advice

If you have any questions about the tax rules for ISAs call the Inland Revenues ISA Helpline on 0845 604 1701 (Monday -Thursday 8.30-5.00, Friday 8.30-4.30) making sure you have the information about your ISA available.

Where bonuses or limited time offers apply, remember to make a note to review the rates available to you on expiry, as often the underlying interest rates are not competitive.

We source our data through newspaper best buy tables, information from providers and more importantly from consumers such as yourselves - if you feel you have found a rate we should be talking about tell us here.

This content was last reviewed on 21/12/2016