Best Rate cash Isas Notice cash Isa accounts
The table below shows the best notice cash Isa accounts currently available. Before applying, it's worth comparing these accounts with our Best Rate instant access cash Isas, as the latter often offer similar rates and come with greater flexibility when you want to withdraw your cash.
The overall cash Isa limit for this tax year (2014/15) is £5,940. However, from 1 July 2014, the overall investment limit for an Isa will be increased to £15,000 a year. The new annual limit can be made up of cash, or stocks and shares, or a mixture of both.
With interest rates on savings accounts and cash Isas falling, it's worth considering that some current accounts now pay higher levels of interest on balances that are in credit. See our current account reviews for more, and always read the terms and conditions carefully.
|Provider||AER AER help||Bonus rate||Notice period||Access Access help||Min deposit||Transfer in||Customer score Customer score help||Find out more|
|Bank of Cyprus UK|
35 Day Cash Isa
60 Day Notice Isa Issue 8
AER is annual equivalent rate and shows how much interest you'll receive in one year.
Which? score based on customer satisfaction and likelihood of recommending company to friend/family member. Customer scores are based at brand level.
Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
Customer scores are based on a survey of an online panel of respondents from the general public, who were invited to take part in the savings account customer satisfaction survey - during March 2014. The final sample size was 5,254.
How we choose our Best Rate Cash Isas
Which? Best Rate cash Isas offer the best rates on the market, subject to the following conditions:
- Providers must be fully covered by the Financial Services Compensation Scheme (FSCS) - see limits of protection
- All bonuses must be payable for at least 12 months
- All of our Best Rate accounts are standalone (not tied to the purchase of another product and not available via third-party organisations or comparison sites) and available nationally, but it's worth checking the rates paid by smaller building societies in your area to see if they can do a little better
- Accounts are available at a branch, by post, phone or internet and all displayed show the annual effective rate (AER) before tax.
- To be a Which? Recommended Provider (WRP) accounts must accept transfers-in from other providers
Which? Recommended Providers
Which? Recommended Providers are companies that are both rated highly and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.
Which? Warning Poor Satisfaction
We also understand that for many people, finding products with the best rate is a priority. But where a product from a provider with a poor customer score appears in our Best Rate tables, we'll highlight this with the warning logo. Our customer satisfaction surveys measure overall satisfaction with the provider in relation to savings accounts, not individual savings accounts offered by the brand. The customer score should therefore not be associated specifically with any individual savings accounts. Only customer scores that are significantly below average and fall into our bottom statistical tier receive our warning. Our customer scores are updated every six months.
By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.