19 shares Why these are the web's best savings tables: they are completely independent and unique... Accounts with catches are stripped out or shown separately Compiled by savings expert Sylvia Morris (see below) Unlike other web tables, providers do not have to pay to appear. FIVE OF THE BEST! - This is Money's savings correspondent Lee Boyce picks out his five favourite Isas for 2013 - CLICK HERE! Also: Easy access| Fixed-rates| ISAs| Monthly income| Junior ISAs | 50+
CASH ISAs - easy access Type of account (min investment) Rate (tax-free) (1) You cannot transfer savings into your Cash Isa from other banks or building society into this account. (2) Open to those age 50 and over only. Rate includes a 0.9 percentage point bonus paid for the first eighteen months. (3) Open to those living in the building society's operating area only. Teachers cash Isa is also open to teachers, where ever they live. (4) Rate includes a 1.8 percentage point bonus until 31st October 2014 (5) You are restricted to two withdrawals a year. (6) Only available to Nationwide Flexclusive current account holders. Rate includes a 1 percentage point bonus payable until November 2014. (7) Includes a 1.7 percentage point bonus for the first twelve months. (8) Rate includes a 1.25 percentage point bonus payable until 30 April 2014. (12) Includes a 0.35 percentage point bonus for the first 18 months. (13) Rate includes a 1.75 percentage point bonus payable until 31 October 2014. (15) Bonus payable until 31 August 2014. Only available to those with some Nationwide savings accounts which come with a card. (17) Rate includes a 1.25 percentage point bonus for twelve months. (19) Includes a 0.8 percentage point for one year. (20) Rates include a bonus of 1.6 percentage points for twelve months on balances up to £15,000 and 1.75 points on higher balances. BONUS accounts - These accounts pay a bonus for the first 12 months or more. These are the rates including the bonus: Nationwide Flexclusive Isa(£1)(1)(6) 2.50 Cheshire BS Isa Saver Issue 3(£1,000)(4) 2.30 Nationwide Easy Isa 1(£1)(1)(13) 2.25 Nationwide WEB Isa issue 3(£10,000)(15) 2.25 Cheshire BS Easy Isa 1(£1)(1)(13) 2.25 Dunfermline BS Easy Isa 1(£1)(1)(13) 2.25 Derbyshire BS Easy Isa 1(£1)(1)(13) 2.25 BM Savings Isa Extra Issue 5(£15,000)(20) 2.25 BM Savings Isa Extra Issue 5(£1)(20) 2.10 Nationwide WEB Isa issue 3(£1,000)(15) 2.00 Post Office Premier Isa (£100+)(12) 1.60 AA Savings Access Isa Issue 5(£1+)(14) 1.50 Saga Isa Saver 4(£500+)(10) 1.40 Halifax Isa Saver Online(£10+)(7) 1.35 Halifax Isa Saver Variable(17) 1.25 Accounts WITHOUT bonus - These rates are not boosted by a temporary bonus that drops off after a year: National Savings & Investments Direct Isa (£100+) (1) 2.25 NatWest e-Isa (£30,000+) 2.25 Marsden BS Branch Annual Isa (£1+) (1) 2.25 Virgin Easy Access Cash Isa Issue 4 (£1+) 2.15 Metro Bank Variable Cash Isa (£1+) 2.00 Tesco Instant Access Cash Isa (£1+) (1) 2.00 NatWest e-Isa (£10,000+) 2.00 NatWest e-Isa (£1+) 1.75 GE Capital Direct (£500+) 1.75 Teachers BS Cash Isa 3(£100+) (3) 1.75 Earl Shilton BS Instant Access Cash Isa (£10+) (3) 1.75 Kent Reliance Easy Access Cash Isa (£1,000+) 1.70 National Counties BS Online Cash Isa (£100+)(1) 1.65 Principality BS e-Isa Issue 7 (£1+) 1.50 Sainsbury's Bank (£500+) 1.50 Britannia Select Cash Isa 2 (£500+)(5) 1.50 Barclays Instant Cash Isa Issue 1 (£30,000) 1.49 Yorkshire BS E-Isa Issue 2 (£10+) 1.40 Barclays Instant Cash Isa Issue 1 (£15,000) 1.39 Scottish Widows E-Cash Isa (£1+) 1.30 Skipton Cash Isa Saver Issue 2 (£1+) 1.30 Barclays Instant Cash Isa Issue 1 (£1) 1.29
CASH ISA FIXED RATE TERM ACCOUNTS Type of account (min investment) Rate (tax-free) (1) No transfers accepted from other providers. (2) Available to local resident or existing members only. (3) Fixed to 24 May 2014. (4) Fixed to 30 April 2016. (5) Postal account. (8) Fixed to 15 May 2016. (9) Fixed to 24 May 2018. (10) Fixed to 11 June 2018 (14) Open to those age 50 and over only (17) This is a variable rate deal. it pays bank of England base rate plus 1.75 percentage points until 30 April 2015. (20) Available through branches only. ONE YEAR Mansfield BS (£500+)(1)(2) 2.25 Virgin Money (£1+)(3) 2.20 Principality BS BS (£500+)(1) 2.10 Tesco (£1+)(1) 2.05 Kent Reliance Banking (£1,000+) 1.91 Post Office (£500+) 1.90 Aldermore Bank (£1,000+) 1.85 Derbyshire BS (£100+) 1.75 Dunfermline BS (£100+) 1.75 Cheshire BS (£100+) 1.75 Nationwide (£1+) 1.75 Halifax (£500+) 1.75 Saffron BS (£500) 1.75 Furness BS (£1,000+) 1.70 TWO YEARS Principality BS BS (£500+) 2.10 Cheshire BS (£100+) 2.10 Nationwide (£1+) 2.10 Derbyshire BS (£100+) 2.10 Dunfermline BS (£100+) 2.10 Halifax (£500+) 2.10 Kent Reliance Banking (£1,000+) 2.01 Post Office (£500+) 2.00 THREE YEARS Virgin Money (£500+)(8) 2.40 Furness BS (£1,000+) 2.25 Halifax (£500+) 2.25 Aldermore Bank (£1,000+) 2.25 Principality BS (£500+) 2.20 Chelsea BS (£100+) 2.20 Yorkshire BS (£100+)(4) 2.20 Barnsley BS (£100+)(4) 2.20 Norwich and Peterborough BS (£5,760)(1) 2.20 FIVE YEARS Virgin Money(9) 3.00 Principality BS (£500+) 2.75 Halifax (£500+) 2.35 REGULAR SAVINGS CASH ISAS - Fixed rates Nottingham BS Starter Isa 4 (£1-480 pcm)(20) 4.00 All our best savings rates tables...
General savings (internet, branch-based) Fixed-rate accounts Phone/postal accounts Best cash Isas Junior Isas and children's savings accounts Child Trust Funds (CTFs) National Savings Monthly income savings accounts Offshore accounts Accounts for older savers (50+)
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Dear Reader,
These tables are unique on the web. They are independent and providers are not forced to pay to appear, which is typically the case at big comparison sites.
Sylvia Morris
They are completely unbiased - we simply show the best rates around and don't do 'featured deals'.
We've gone a step further, too. To feature in the best buys on variable rate accounts in our savings tables, an account must give you easy access to your money and come with no hidden catches.
In the past we have refused to include accounts where the rate is boosted by a short-term bonus or those with over-restrictive conditions so you only earn the advertised rate if you make three or less withdrawals a year.
But with interest rates so low, most of today's best deals have some sort of clause built in, whether that's a bonus or a restriction on withdrawals.
For that reason, we've included decent bonuses as long as they last for at least 12 months. This is to avoid you having to switch your account too often when short-term bonuses run out.
If there is a restriction on withdrawals we have made this clear in the notes on each account.
We also ignore old-style 'notice' accounts where the bank or building society can demand you give up to six months' notice that you want to take our money out while it can change the rate at any time without warning.
All banks and building societies are registered with the Financial Services Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £85,000) or via its passport scheme (where the compensation limit depends on the bank's home country. In Europe it is €100,000).
Sylvia Morris, This is Money savings tables expert
If you have a question about the tables email sy.morris@dailymail.co.uk and editor@thisismoney.co.uk
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