Everything you need to know about

CASH ISAs

The latest on Cash ISAs

Links to the ISA sections of the major UK banks

15 May 2012

Links to the ISA sections of the major UK banks

By the time we reach adulthood we’ve generally chosen our bank and are unlikely to change it very often, unless your bank manages to annoy you to such an extent that you see a big red flag. I compiled a list of most of the UK’s major banks for those of you looking for options.

10 of the worst Cash ISAs by interest rates

15 May 2012

10 of the worst Cash ISAs by interest rates

These 10 Cash ISAs offer among the worst interest rates of all current Cash ISAs. If you have one of these, you may want to review your options as there are much better deals available.

List of UK Building Societies

14 May 2012

List of UK Building Societies

The following list represents all UK Building Societies in order of Market Size as of May 2012

4 interesting Cash ISAs worth reviewing

11 May 2012

4 interesting Cash ISAs worth reviewing

We’ve rounded up 4 Cash ISAs we think offer interesting features and decent interest rates. They’re definitely worth a look for your 2012 Cash ISA.

Flexclusive ISA interest cut by Nationwide

10 May 2012

Flexclusive ISA interest cut by Nationwide

Nationwide Building Society has dropped its best-buy Flexclusive ISA Savings Account by 0.75% just a month after launching the product.

Cautious spending increases savings

05 May 2012

Cautious spending increases savings

In the first quarterly report of 2012 the ING Direct Consumer Savings Monitor has shown that cautious spending has seen a large number of consumers increasing their savings balances to higher levels than over the last two years.

Moving your ISA could earn you 300 times more interest

01 May 2012

Moving your ISA could earn you 300 times more interest

Statistics show that taxpayers that kept moving their ISA savings to the best products available over the last three years have earned nearly 300 times more interest than those who kept the money in their original account.

An estimated £59 billion will be invested in Cash ISAs

16 April 2012

An estimated £59 billion will be invested in Cash ISAs

The Post Office have published a report saying that 37% of Cash ISA investors are planning to invest an average £3,210 into their ISA this tax year, with one eight adults planning to use their full cash ISA allowance.

Cash ISA Guide

Cash ISAs

There are few things in life we like less than seeing the chunk of tax deducted from our pay cheque each month. To avoid handing over even more tax down the line, you could likely benefit from taking advantage of an annual Cash ISA.

Cash ISA Limit

The amount of money you can deposit into your Cash ISA each year is limited to the annual Cash ISA Allowance. You can make as many deposits into your ISA throughout the year, as long as you do need exceed your annual allowance.

Cash ISA Deadline

Your Cash ISA allowance is available to you for a full year, starting on the 6th April and ending on the 5th April the following year. You have until deadline day to deposit your money into your Cash ISA account, utilising as much of your ISA Allowance as possible for the current year.

Maintaining multiple Cash ISAs

While you can only deposit money into one ISA in a single year, there is no limit to how many Cash ISAs you can have in total. Each year, if it suits you, you can open a new ISA at a different bank or building society and use it for your annual ISA deposits.

Withdrawing money from a Cash ISA

Cash ISAs work in a similar way to a savings account, meaning you are free to withdraw money whenever you like should you need to use it.

Closing a Cash ISA

If for any reason you need to withdraw your money and close your Cash ISA, you should be able to do so without any penalties or charges.

Cash ISA Interest Rates

Banks and Building Societies often change their ISA deals and packages, and many ISAs will start on a preferential rate for a number of months or years, and then revert back to a lower rate after the bonus period.

Cash ISA Transfers

This is a very common question with ISAs and it is very straightforward. You can transfer a Cash ISA from one bank to another if you find a better deal or are unhappy with your current bank or ISA product.

Leading Cash ISA Providers


Halifax are offering 4.50% on a 5 year fixed term Cash ISA


Nationwide have a 4.25% Cash ISA for existing clients


Santander are offering 4.00% on a 2 year fixed Cash ISA


Lloyds have a 3.70% cash ISA on a 2 years fixed ISA