Which isa comparison

The fact that ISAs are accessible to almost all has also played a key part in their success. Anyone who is resident in the UK for tax purposes and aged 16 or over is entitled to open a cash ISA. Crown employees, such as diplomats or members of the armed forces, are eligible too, along with their spouses or civil partners. Looking to save for a child? View today's best Junior ISA rates that pay interest tax-free.

There is no cost to you. Our service is entirely free and you don't need to share any personal data to access our comparison tables. We research the whole market and scour the small print so you can find the best products for your needs. This guide outlines the pros and cons of investing in an ISA or pension.

This guide explains the rules on inheriting ISAs and the important things you need to know. This guide explains the rules on inheriting ISAs and the important things you need. This includes tracking cookies. Home ISA. Today's best ISA rates.

Product Type. Easy Access ISAs 0. Two Year Fixed Rate 1. Four Year Fixed Rate 1. Lifetime ISAs 0. Stocks and Shares ISAs.

Regular Saver ISAs 1. One Year Fixed Rate 0. Three Year Fixed Rate 1. Five Year Fixed 1. You can understand more and change your cookies preferences here. Inflation rose to 3. Below, we've listed the accounts paying the most interest on cash across instant-access, notice and fixed-rate deals at the time of publishing.

The Which? Money Compare Isa tables let you search hundreds of cash Isa accounts from providers large and small to help you find a great account, based on the quality of service as well as cost and benefits. Find out more about the different types of Isa available and which might be suitable for your savings goals.

If you sign up to a fixed-rate account, this usually means that - for a certain amount of time - your cash will earn a set rate of interest. Rates are usually higher than instant-access accounts, and as a general rule, the longer you lock your money away for, the higher the rate will be. Most providers will specify a minimum initial deposit; the minimum amount you can save in order to qualify for the interest rate.

As the name suggests, you have to give notice to your bank or building society before you can gain access to your money. The most common notice periods are 30, 60 and 90 days. Regular cash Isa accounts require regular monthly payments in order to qualify for the AER; the amount you have to pay in will vary between accounts.

You'll need to be confident that you can pay in the required amount each month for the account to be worth it. Instant-access accounts give you the flexibility to withdraw money whenever you like, while usually earning more interest than you would if the cash was just sat in a current account.

Interest rates are usually lower than those offered by regular, notice and fixed-rate accounts. However, make sure you watch out for any tricky terms, that are most common with this kind of account. Others have a bonus rate for the first 12 months, after which point the AER may dramatically drop. Excluding accounts with limited withdrawals or other restrictions, the best instant-access rate in our tables is 0. This rate is available from Shawbrook Bank. If you're able to lock your savings away for a year, you could earn 0.

The next-best rate is 0. The highest rate for a two-year Isa is 1. The next-best rate is 1. The highest rate for a three-year term is 1. United Bank UK offers the highest rate of 1. Financial Services Limited is a wholly-owned subsidiary of Which? Limited and part of the Which? Money Compare content is hosted by Which? Limited on behalf of Which? Financial Services Limited.

All pages and content are the sole responsibility of Which? Runpath is not a member of the Which? Group of which we are part. We cannot guarantee that products listed will be available or available on the terms specified. Only if the ISA allows withdrawals but there are restrictions on paying money back in, find out more here. Yes, your finances are not checked when you open a savings account. If you need help choosing the right savings account , read this guide.

No, you can choose how much access you have to your money by picking the right savings account. This guide explains which accounts are available. When you've found the best cash ISA rates and the best cash ISA for you, you can start saving your money knowing it's safe.

The AER, or Annual Equivalent Rate, is the rate of interest you will earn in a year including fees, bonuses and compounding. Gross interest, or the gross interest rate, is what you earn when you first open your account. It does not consider compounding, fees, bonuses and time. See more guides. It is tougher than ever to make money from your savings, but you could get a better return if you expand your search for interest.

Here are your options. Lifetime ISAs can help you save for your first home or your retirement. Here's how they work. Knowing what to do with savings can be difficult, especially when rates are so low. Here is what you can do if you have money to invest. Comparing investment ISA accounts could save you money. Our multiple award-winning comparison service makes sure you get the lowest fees and rates possible based on your individual circumstances.

Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

Branch savings accounts. Cash ISA transfers. Cash ISAs for over 60s. ISA savings. Junior ISA. Lifetime ISA. Monthly interest savings account. Regular saver cash ISAs. Regular savings accounts. Self select ISAs. UK page. Life insurance Health insurance Critical illness cover Guides. Travel money Travel prepaid cards No foreign transaction fee credit cards Travel insurance Car hire excess insurance European breakdown cover Guides. View our cash ISA deals.

Compare cash ISAs from top providers You'll only find results from genuine companies. How to get a cash ISA. Cash ISA deals. How we order our comparisons. Commission earned affects the table's sort order. Update results Cancel. Term Easy access. Interest rate 0. Protection scheme FSCS. ISA transfers in Accepted. View deal More details.

Rate Tiers. See deal.