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Savings

Savings

For savings comparisons, we'd like to introduce you to LoveMoney[1]

 

Isas

Isas

Compare Isas with our preferred provider, LoveMoney[1]

 

 


  • Make your savings nicer with a Nisa

    New Individual Savings Accounts (Nisas) replace Isas on 1 July, 2014. They allow you to save in cash and/or stocks and shares without having to pay tax on any of the interest that you make. Nisas offer higher annual investment limits than Isas and they're much more flexible. Read our guides for the full details
    Sean Davies, Gocompare.com
  • Build up an emergency fund

    Everybody ought to have a certain amount of cash to hand. The rule of thumb is to have three months's essential outgoings (things like rent and food) in an instant-access account. This is called an emergency fund
    The Money Advice Service
  • Switching accounts is crucial

    You'll want to switch savings accounts occasionally in order to find the best deals, probably at least once a year if you're using an account with a 12-month bonus
    Felicity Hannah, personal finance journalist
  • Should I save or should I invest?

    With saving you put your money aside without risk, usually with the chance to earn interest. With investing, there's potential for your money to grow more, but the returns aren't guaranteed
    Government information
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Why choose Gocompare.com's savings and Isa comparison service?

With the help of our partners LoveMoney,[1] you can quickly and easily compare rates for savings and for Individual Savings Accounts (Isas).

If you choose to use our comparison service, the easy-to-use page will present information describing the key facts about each account and will offer you the chance to purchase the products.

Amongst the savings accounts on offer, you can choose from easy-access options, peer-to-peer savings and one-, three- or five-year bonds. Isa accounts can be a fantastic, tax-free way to save your money, and we can help you find the right deal whether you're looking for cash Isas and/or stocks and shares Isas.

Low interest rates have been with us for some time, meaning it's harder than ever - and more important than ever - to find a good return on your money. Learn all about the products available by reading our guides, where you'll also find both our frequently asked questions on savings and frequently asked questions on Isas.

Our guides offer more information on key saving products such as easy access accounts, fixed-rate bonds, notice accounts, regular-saver deals, guaranteed equity bonds, affinity accounts, over-50s products and off-shore accounts.

Find out how interest rates and tax rates are displayed and paid, and why you should pay attention to maximum and minimum deposit levels, notice periods, withdrawal restrictions and short-term bonuses.

You'll also find information on National Savings and Investments (NS&I), the Financial Services Compensation Scheme (FSCS) and the Banking Code, plus more general help on why you should save, and the importance of keeping a rainy-day fund.

Did you know...?

  • The tax year runs from 6 April to 5 April
  • From 6 April to 1 July, 2014, you can save £5,940 into a cash Isa, but note that from 1 July Isas will be replaced by Nisas. The Nisa allowance for 2014-15 will be £15,000
  • 21% of consumers have never switched their Isa or savings accounts[2]

Many people seem mystified by Isas but they are basically just regular savings products protected by a tax-free 'wrapper', meaning that you get to keep 100% of the precious interest.

We've got dedicated guides on cash Isas, stocks and shares Isas and junior Isas, with information on allowances, transfers, age restrictions, how many Isas you can own, and much more.

From July 2014 Isas will be replaced by a new product, called the New Isa (Nisa).

Savers will have a tax-free annual allowance of £15,000 and there will no longer be any rules governing how much of that can be saved in cash and how much in stocks and shares.

Account holders will also be able to transfer their Nisa funds from stocks and shares to cash, as well as vice-versa.