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This comparison simply includes all savings accounts.

Aldermore
Fixed Rate Cash ISA Aldermore
Min deposit £1000
Term 3 years
Interest AER 1.90%

Why we like it: MARKET LEADING RATE – Looking for the best cash ISA rates? Open a 3 Year Fixed Rate Cash ISA with Aldermore Bank to get a great return. Withdraw cash early if you need to (subject to loss of interest).

Aldermore
Fixed Rate Cash ISA Aldermore
Min deposit £1000
Term 2 Years
Interest AER 1.80%

Why we like it: Open a 2 Year Fixed Rate Cash ISA with Aldermore Bank to get a great return. Withdraw cash early if you need to (subject to loss of interest).

Aldermore
Fixed Rate Cash ISA Aldermore
Min deposit £1000
Term 1 Year
Interest AER 1.60%

Why we like it: Open a 1 Year Fixed Rate Cash ISA with Aldermore Bank to get a great return. Withdraw cash early if you need to (subject to loss of interest).

Nationwide
Cash ISA Nationwide
Min deposit £1
Term Instant Access
Interest AER 1.30%

Why we like it: Tax free ISA account. Open with £1 or transfer in existing ISA funds. Invest up to £20,000 per tax year. Interest can be paid into account, alternative Nationwide savings or current account, or an external current account. Must be UK resident and aged 16 or older. Headline interest rate applicable if no more than 1 withdrawal per account year, fFor 2 or more withdrawals the interest rate drops to 0.50% AER. FSCS Protected

Aldermore
Notice Cash ISA Aldermore
Min deposit £1000
Term 30 Day Notice
Interest AER 1.30%

Why we like it: Unlimited withdrawals subject to 30 days notice.

Nationwide
Instant ISA Saver Nationwide
Min deposit £1
Term Instant Access
Interest AER Up to 0.65%

Why we like it: Instant ISA Saver is designed for those that want the convenience of a tax-free cash ISA with instant access. Earn 0.50% AER (variable) on balances between £1 and £9,999, 0.55% AER (variable) on balances between £10,000 and £49,999, and 0.65% (variable) AER on balanced over £50,000

NatWest
Cash ISA Natwest
Min deposit £1
Term Instant Access
Interest AER Up to 0.5%

Why we like it: Open with £1. Earn 0.50% AER (variable) on balances above £100,000, 0.25% AER (variable) on balances between £50,000 and £99,999, 0.05% AER (variable) on balances between £25,000 and £49,999, and 0.01% (variable) AER on balanced between £1 and £24,999.

Instant Access ISA

If you wish to access a fixed interest rate without necessarily tying up your money for a set period of time, you may want to open an Instant Access ISA.

An Instant Access ISA is an account that you can use to put your savings in and make your savings work harder for you.

An Instant Access ISA account has both the advantages of an ISA and some of the flexibility of an instant cash savings account.

If choose to open an Instant Access ISA, you will be able to withdraw as much as you like from the account, and providing you replace it within the same tax year it will not count towards your annual ISA allowance.

The ability to access your savings whilst enjoying competitive interest may help you to achieve your savings goals. Find our savings rates table above for the latest interest rate deals. 

Features of an Instant Access ISA

You may benefit from opening an Instant Access ISA: 

  • No income tax – unlike other financial products the interest you earn in your ISA is not subject to tax
  • Easy access – If you wish to open an Instant Access ISA, as opposed to a fixed rate cash ISA, you will benefit from competitive interest as well as easy access to your money, should you need it
  • No need to declare – you are not obliged to declare your cash ISA or any interest you get from your ISA on your tax return
  • Straightforward transfers – you have the option to transfer your cash ISA to another provider if you find a better interest rate

Latest news

Pensioner Bond Maturity - 5 Ideas For Your Cash

From January 2018 over 900,000 people who invested in pensioner bonds will start to see their bonds mature. Savers who have been enjoying 4% pa are going to get a shock when they look for comparable returns from cash in the current market. We have put together 5 ideas for your cash in 2018

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Simplysavingsaccounts.co.uk is a trading style of Fair Investment Company Ltd.

We've been comparing savings and current accounts for many years so you can trust you're in good hands.