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Product focus: ISAs

Product focus: ISAs

Category: Savings

Updated: 25/01/2010
First Published: 25/01/2010

This article was correct at the time of publication. It is now over 6 months old so the content may be out of date.
As we come to the end of the current tax year, many customers will be searching the market for the best ISA deal.

Some providers include bonuses to help boost rates, although savers need to remember when their bonus term expires to avoid reverting to a much lower rate.

Here are the current top three cash ISAs which include bonuses.

Manchester Building Society – Premier ISA Issue 4

Launched earlier this month, this account pays a rate of 3.01% including a bonus of 1.00% for 12 months. A minimum investment of £1,000 is required. Savers need to give 60 days' advance notice to access funds. Early access is prohibited. The account is available to savers aged 18 and over and can be operated in branch and by post.

Newcastle Building Society – Reward Saver ISA

This account pays a rate of 3.00% including a bonus of 1.00% for 12 months. A minimum deposit of £500 is required. 120 days' notice is required to access funds, although early access is allowed subject to 120 days' loss of interest. Savers have the option to split their funds across multiple ISA accounts offered by Newcastle Building Society. The account can be operated in branch, by post or online by savers aged 18 and over.

Marks & Spencer Money – Advantage Cash ISA

This account pays a rate of 2.50% including a 1.00% bonus until 21st July 2010. A minimum deposit of £10 is required, although monthly payments made by direct debit require a minimum deposit is £25. Customers can split their full ISA allowance between the Marks & Spencer Money Fixed Rate Options and the variable Cash ISA. Funds can be accessed without advance notice and withdrawals can be made via BACS to a nominated account. The account can be operated by post and telephone by savers aged 16 and over, although it can be opened online.

Find the best savings accounts for you - Compare cash ISAs

Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.