Choose from our listings of FCA regulated stocks & shares ISAs. All products listed are protected by the Financial
Services Compensation
Scheme (FSCS) up to £85,000 and qualify for you to use your annual ISA allowance of up
to £20,000 or transfer an existing ISA.
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Peer to Peer ISAs put your capital at risk, and you may get back less than you originally
invested.
Returns are not guaranteed if their borrower defaults.
Innovative Finance ISAs put your capital at risk, and you may get back less than you originally
invested.
Returns are not guaranteed if their borrower defaults.
'Featured' products are affiliated listings which Money Guru promotes and has a commercial agreement with. Our website is completely free for you to use but we may receive commission from providers for introductions. You can use the dropdown to select another metric as described below to re-order the products.
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'Min investment' ordering lists the products in order of the minimum to maximum amount required to open a Stocks & Shares ISA with that provider.
- Savings & Investments
- FAQs
- Guides
- Who we work with
- Deposit a lump sum (no more than £20k)
- Earn interest on the full amount, without paying tax
- Easy access account holders can withdraw at any time
- Fixed rate account holders will have to wait until the end of a set period before making a withdrawal
- Type of cash ISA – choose between an easy access account or a fixed rate account
- Fixed rate period – the longer the period, the more you will earn from interest
- Interest rate – choosing a longer fixed rate period you will usually get a higher interest rate
- Minimum and maximum deposit amounts – the current maximum is £20k but there will also be a minimum amount you need to deposit to open the savings account
Compare Cash ISA Savings Accounts
Opening a cash ISA is a good way to save for the future and gives anyone over the age of 16 to put away a significant amount of money. The current annual limit is £20,000, meaning that you can deposit this much and earn interest on it, without paying any tax.
This might be to fund further education, for use as a deposit to get on the property ladder or for another significant future purchase. You are able to get cash ISA’s as easy access savings accounts or fixed rate savings accounts depending on whether you need to dip into your savings or you’re happy to leave your funds untouched for a certain period of time.
What is a cash ISA savings account?
A cash ISA savings account is a secure space to save money and you do not have to pay tax on the interest that you earn. That means you will not have any deductions and if you deposit a lump sum, you can calculate exactly how much you will get back, based on the length of time you plan on saving for.
You can choose between having an easy access cash ISA or a fixed rate Cash ISA. The difference is that you can withdraw whenever you like from an easy access account, whereas a fixed rate account will have a set period you will have to wait before withdrawing.
How does a cash ISA savings account work?
Like any other savings account, a cash ISA allows you to deposit money into it as a lump sum, then keep adding to it as time goes by. You will have the option of an easy access account, where you can withdraw whenever you like, or a fixed rate account, where you will have to wait a certain amount of time before you can withdraw.
For example, if you have a 1-year cash ISA and withdraw your savings before the end of this period, you will have to pay an additional fee.
There is currently an ISA allowance of per person of £20,000 per year, meaning that is the maximum you’re allowed to keep in the account. You are only allowed one active cash ISA with £20,000 deposited in it, but you can have several active ISA’s as long as they don’t go above the maximum amount in total.
How to open a cash ISA savings account
Getting a cash ISA savings account is a fairly quick process, especially as you can apply online and receive an immediate decision with some providers. As long as you have the required personal details (including your National Insurance number) there should not be any issues, though with some accounts you will be credit checked prior to acceptance.
Have a look at the following details when applying for a cash ISA:
Once you have looked at these initial details, you should be able to use our comparison tables to find the right cash ISA savings account for you.
Who we work with
We work with a number of providers to deliver a wide selection of
savings accounts for you to choose from, enabling you to find the best
option for you, whether it’s a cash ISA, investment ISA, peer-to-peer
savings account or otherwise.
Each of our providers are screened to make sure they meet our high standards
before we agree to work with them. This ensures that you can trust them as much
as we do, allowing you to find the best savings product from a reputable source.
You can find out more about our lenders and providers
here
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