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Best Isa Rate - Best ISA Rates Available

Where to find Best ISA Rates

cash savings tax minimum

Coined as one of the best ways to save money, ISAs (Individual Savings Accounts) consist of two options: a basic savings account (cash ISA) or a stocks and shares account ISA. Some people choose to do both. As of April 6, 2010, investors have had an increase in their cash ISA allowance by £1500 from the original amount of £3,600 to £5,100. Because ISAs pay tax-free interest, it is easy to see the advantage of ISAs when other savings accounts would cost you 20% tax from the accrued interest; however, finding the best ISA rate is crucial since conditions can be quite different with banks and building societies. Some banks can even cheat you out of savings from the tax-free interest by paying less interest than on their other taxable accounts and keeping the tax relief that should go to you. Other banks can offer you one interst rate then later lower it. In such cases, it is important that you monitor your accounts and be on-the-look-out for such fraudulent activity.

Santander UK’s banking history records 150 years of service, and today boasts of having over 90 million customers with 13,696 branches. If you hold a current account with Santander, you will receive the ISA’s best rates at 3.2% with easy-access ISA or you can open or transfer to Santander Bank. Santander Bank has a guarantee of at least 2.7% above the base rate of the Bank of England currently set at .5% for the first 12 months and the rate will not fall below 3.2% for the first 12 months. It is something to consider for your £5,100 ISA allowance when looking for the best ISA rate.

Some other ISA best rates include Birmingham Midshires’ ISA Extra offering a 2.7% with a minimum of £500 which includes a 1 point bonus fixed for 15 months. Clydesdale/Yorkshire Banks’ 5 year fixed rate ISA has a rate of 5%, which is added at the end of the term. This is a good deal if you can tie up your money for 5 years. The minimum investment is £2000. Nationwide Champion has an ISA rate of 2.5% with a minimum of £1,000 with one easy-access withdrawal per year. Lloyds TSB Cash ISA Saver shows a rate of 2.5% with a minimum of £1 and the ability to transfer existing ISA to open a new account with Lloyds. M&S Flexi Cash ISA has a minimum amount of £100 with a rate of 2.65% but is only available to new ISA savers.

It is important to remember that you must use your cash ISA allowance by the end of the tax year (April 5th) or you will lose it for that particular year. Interestingly, you do not have to be British to open an ISA but you do have to have a residence in the UK. You must also be at least 16 years of age for a Cash ISA and 18 for Bond ISA. There are so many available options for savings with the ISA. It is important to shop around for the best ISA rates and compare frequently because they are constantly changing.

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You know Strong organic search rankings are absolutely vital for the success of any business. SEO can often be the single most effective means of dramatically increasing traffic, conversion rates and revenue.


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