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When it comes to cash ISAs, sticking with your own bank or building society can sometimes be your best bet. There’s often little difference in returns, while all your accounts will sit conveniently in one place.

With our new ISA calculator, we’re making the decision easy. Just tell us what you’re looking for and we’ll compare your bank's best offering against the rest of the market.

  • {{isRevealed() ? "X" : "?"}} Do you have an existing ISA that you would like to transfer over to your new account? There are transfer rules that have to be adhered to, read more here.
  • {{isRevealed() ? "X" : "?"}} Please specify the amount you currently hold within an ISA account so we can find the right product for you. This must be a number with 2 decimal places max. Please specify the amount you currently hold within an ISA account so we can find the right product for you.
  • {{isRevealed() ? "X" : "?"}} Please specify the deposit you would like to invest in your ISA account. This must be a number with 2 decimal places max. The maximum amount of money that can be invested in a Cash ISA each year is {{info.taxFreeIsaAllowance | currency:"£"}}. Please specify the amount you wish to deposit in your ISA account. The maximum cash amount you can invest in one tax year is {{info.taxFreeIsaAllowance | currency:"£"}}.
  • {{isRevealed() ? "X" : "?"}} Please specify an amount, if you don't intend to invest monthly please enter 0. This must be a number with 2 decimal places max. The maximum amount of money that can be invested in a Cash ISA each year is {{info.taxFreeIsaAllowance | currency:"£"}}. The above value would work out at {{modelExpressions.getMonthlyPayments() | currency:"£"}} a year (based on 12 regular payments). Please specify the amount you will invest monthly, if you don't intend to invest monthly please enter 0. The maximum cash amount you can invest in one tax year is {{info.taxFreeIsaAllowance | currency:"£"}}.
  • {{isRevealed() ? "X" : "?"}}
    This will enable us to present you with your own banks ISA offering which you can compare against the wider market.
  • {{isRevealed() ? "X" : "?"}}
    • Instant access
    • Fixed
      term
    • Notice
    Accounts that lock your money away for a fixed term or require notice before you make a withdrawal may offer you a better rate of interest.
  • {{isRevealed() ? "X" : "?"}}
    • l yr
    • 2 yr
    • 3 yr
    • 4 yr
    • 5 yr
    Most providers will not allow you access to your funds over the fixed term so make sure you're comfortable with the term selected.
  • {{isRevealed() ? "X" : "?"}}
    • 30 days
    • 60 days
    • 90 days
    • 120 days
    Providers will require a period of notice before granting you access to your funds, select the maximum amount of days you would be comfortable with.
  • {{isRevealed() ? "X" : "?"}} Select 'Yes' to hide the ISA accounts you can't apply for online through MoneySuperMarket.com's website.
  • Find me an ISA
  • Start over
  • Your Own Bank's ISA
  • {{currentBankProduct.ProviderName}} {{currentBankProduct.ProductName}}
  • {{currentBankProduct.projection.balance | currency:"£"}}
  • {{currentBankProduct.InterestRate}}%
  • {{currentBankProduct.MinimumInvestment | currency:"£"}} to £no limit
  • {{currentBankProduct.NoticeTerm}}
  • {{currentBankProduct.TransferIn==="true"?"Yes":"No"}}
    • In branch
    • Internet
    • Post
    • Phone
    • Cash point
  • Apply now Sorry no link available
  • Back to questions
  • Please select your current bank from the previous drop down menu to see their best deal
  • Your bank does not offer a suitable ISA deal
  • Back to questions
You will save
{{selectedProduct.projection.balance - currentBankProduct.projection.balance | currency:"£"}}
Total savings are the same You will save
{{currentBankProduct.projection.balance - selectedProduct.projection.balance | currency:"£"}}
  • Your selected ISA
  • {{selectedProduct.ProviderName}} {{selectedProduct.ProductName}}
  • {{selectedProduct.projection.balance | currency:"£"}}
  • {{selectedProduct.InterestRate}}%
  • {{selectedProduct.MinimumInvestment | currency:"£"}} to £no limit
  • {{selectedProduct.NoticeTerm}}
  • {{selectedProduct.TransferIn==="true"?"Yes":"No"}}
    • In branch
    • Internet
    • Post
    • Phone
    • Cash point
  • Apply now Sorry no link available
Click on a deal to select
No ISA deals matched your search
Loading results, please wait...
^ Edit Questions
    • {{product.ProviderName}} {{product.ProductName}}
    • {{product.InterestRate}}% AER
    • Provider
    • Access
    • Savings
    • Your Own Bank's ISA Apply now Sorry no link available
    • Access

      • In branch
      • Internet
      • Post
      • Phone
      • Cash point
    • Savings

      {{product.projection.balance | currency:"£" }} Apply now Sorry no link available

Our new Cash ISA calculator puts ‘own bank’ ISA deals (only available to existing customers), side-by-side with cash ISA accounts from the rest of the market. It’s an important comparison for savers to make as, the best cash ISA returns are sometimes reserved for those who already bank with the provider – or who agree to switch their main current account. It can also be handy to keep all your accounts in one place.

Using your full annual cash ISA allowance is especially important with savings rates so low, as you won’t be charged tax on the interest you earn. What’s more, from July 1, 2014, the amount of cash you can keep in an ISA each year soars to £15,000, making this tax saving even greater.

We hope our Cash ISA calculator helps you decide whether it makes sense to stick with your own bank or start saving in pastures new. Good luck!

 

 

The ISA calculator shows the best ISA deals irrespective of whether they are available via MoneySuperMarket. The top 25 deals are listed by AER (annual equivalent rate). Interest is shown as compounded monthly, and paid annually. All rates are representative.

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