Compare Clydesdale Bank ISAs
Compare ISAs from Clydesdale Bank and other ISA options available.
Investment ISAs put your capital at risk & you may get back less than you originally invested
What you're looking for isn't available; however, these brands may offer suitable alternatives
- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £25 pm
Good to know: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk. *Offer ends 28 February. Terms & fees apply. New customers only
- Fund Choice: Choose from over 6900 instruments
- Invest From: £10
Good to know: Invest in real stocks with 0% commission (for monthly turnover up to 100,000 EUR (then comm. 0.2%, min. 10 EUR)). Over 6900 instruments including Stocks, ETF’s, Investment Plans, Forex, Commodities and Indices. Earn 4.75% interest on GBP uninvested funds. Applying for an account is quick and easy with a secure online form, and you could be trading within minutes. Multilingual customer support team is ready to help you – 24h hours a day from Monday to Friday. XTB is one of the largest stock exchange-listed FX brokers in the world with 1 million+ customers and over 20 years of activity in the financial markets. Capital at risk
Show More- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £10
Good to know: Invest from only £10 using your tax-free Investment ISA allowance. You can stop, restart, raise or lower your payments or your investments and cash in whenever you want. When you set up a My MoneyBuilder Select (ISA), your money will be invested in a single fund – the Unitised With-Profits fund. A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund. Remember the value of investments can go down as well as up, and you could get back less than you’ve paid in. If you cash in before the end of 5 years there will be a £50 deduction from your cash-in value. Capital at risk.
Show More- Fund Choice: Invest in Exchange Traded Funds (ETFs)
- Invest From: £100
Good to know: Make the most of the world’s best ETFs commission free. Build your own portfolio commission free or leave it to our experts for just 0.25%. Zero‑ISA fees. Choice of 700+ ETFs. Low cost, diversified, index-tracking of stock markets, bonds and commodities. DIY or Managed. ETF costs apply. Capital at Risk. *When you invest at least £100 with InvestEngine (Capital at risk, Ts&Cs apply)
- Fund Choice: Choose from over 3500+ stocks & funds
- Invest From: £1
Good to know: Choose from over 3500+ stocks & funds. Free ETFs; No Lightyear execution fees on ETFs and earn 3% on uninvested cash. Move interest into high interest Vaults; Earn interest from high interest Vaults. Money is invested into BlackRock Money market funds, currently paying 4.89% AER (as 17th January 2025). There would be ongoing execution/FX charges based on pricing – FX fees may apply. Capital at Risk. The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future
Show More- Fund Choice: Nutmeg offer 5 investment styles with ETFs, using technology to keep charges low
- Invest From: Min. £500
Good to know: Get a stocks & shares ISA portfolio – Choose one of five investment styles, either fully managed by Nutmeg’s expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up. Start with as little as £500. Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see the fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Nutmeg are regulated by the FCA & are covered by the FSCS. ISA eligibility and tax rules apply. Capital at risk. Approved by Nutmeg 09/08/2024
Show More- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £25 pm
Good to know: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2024. Low-cost online dealing from £1.50. Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk
- Fund Choice: Invest in managed portfolios
- Invest From: £1
Good to know: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple Plans – including Ethical Plans – with different risk levels. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%
Show More- Fund Choice: Invest in Shepherds Friendly With Profits Fund
- Invest From: £30 pm
Good to know: You don’t have to make any tricky investment decisions; your money will be invested in Shepherds With Profits Fund, and the bonuses you could receive will depend on the future performance of the fund. To try to achieve higher returns for you, your money is invested in a variety of assets, the majority of which consist of stocks and shares, but also property, bonds and cash. While returns are not guaranteed in stocks and shares investments and the value can go down as well as up, Shepherds apply a process known as ‘smoothing’ that attempts to even out fluctuations in the value and aims to keep a consistent level of bonus payments. Capital at risk.
Show More- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £25 pm
Good to know: This award-winning ISA has an extensive range of investment options, including thousands of funds and shares, plus a guidance service to help you find investment ideas. There is a low service fee (typically 0.35%), easy online application process and apps to manage your money on the move. Additional charges apply depending on your choice of investments. Plus, everything is backed by Fidelity’s 50 years of investment experience. Boring Money Best Buy ISA 2023
Show More- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £25 pm or £100 lump sum
Good to know: Hargreaves Lansdown are the UK’s no. 1 investment platform for private investors – kickstart your investing with their award-winning ISA. Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. Capital at risk. *HL will refund their annual account charge – no questions asked.
- Fund Choice: Over 12,500 investments, or a choice of five managed funds
- Invest From: No minimum
Good to know: Take charge of your investment decisions and invest from just £1 to build your investment portfolio from over 12,500 investments, from stocks and shares, funds, ETFs and more. Low platform fee is a maximum 0.30%. Alternatively choose an expertly managed portfolio by selecting from a range of five actively managed funds that most closely matches your investment objectives and risk appetite with an annual review to ensure to ensure your money is being managed in a suitable investment strategy. Advice is restricted to Charles Stanley Direct’s in-house funds and is subject to a minimum investment £20,000. Capital at risk.
Show More- Fund Choice: Experts build your portfolio based on your risk profile
- Invest From: £1,500
Good to know: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free. Capital at risk.
Show More- Fund Choice: Choose from a range of 36 funds and ETFs and 20 US stocks. Select one of three simple starting options with a range of tracker funds or build your own investment portfolio by customising your investment options
- Invest From: £1
Good to know: Choose from a range of 36 funds and ETFs and 20 US stocks to invest with Moneybox. Earn 3.5% AER Variable on any uninvested cash you hold. There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information. Keep things simple and get started with one of our three starting options: Cautious, Balanced or Adventurous – and customise your investments to align with your values. Open with as little as £1. When investing, your capital is at risk
Show MoreGood to know: Let Tillett filter the market for you. From well-known classics to trailblazers and wildcards. No one needs 5,000 funds. Get breadth and variety, without the choice paralysis
- Fund Choice: Invest in UK, US and international shares & funds
- Invest From: £2
Good to know: Commission-free investing: No fees for buying or selling stocks (other charges may apply). Support: Fast and friendly customer support. A wide range of investments: 6,100+ US, UK, and European stocks, ETFs, and investment trusts. Low monthly fees: From £4.99/month. Capital at risk. Other charges may apply. *T&C’s apply
- Fund Choice: Choice of 2 Tracker Funds from L&G & Fidelity
- Invest From: £10
Good to know: App based stocks & shares ISA account. Choose to allocate your contributions between the two funds on offer in whatever proportion you choose: a shares fund (Fidelity Global Index fund) which aims to track the performance of global stock markets and therefore large companies such as Amazon, Facebook, Google and Johnson & Johnson, and a cash fund (Legal & General Cash Trust fund) which aims to provide returns in line with money market rates. Annual fee of 0.5% on the value of any investments. Two funds with their own management fees of between 0.12% and 0.15%. Change your allocation at any point. Option to opt into Round ups – collected from your bank by direct debit on a weekly basis and invested in line with your investment allocation
Show MoreWho are Clydesdale Bank?
Clydesdale Bank are one of the three major Scottish Banks, and their history dates back to 1838 when they formed in Glasgow.
In 2018, Clydesdale Bank’s holding company, CYBG, acquired Virgin Money, and it was announced they would use Virgin Money’s branding from 2019 onwards.
Today, most of their financial services come under the Virgin Money brand umbrella, including their ISA accounts.
This means that Clydesdale Bank no longer offer ISA accounts directly themselves.
What is an ISA?
ISA accounts are tax-free savings and investment accounts.
There are two main types of ISA accounts: Cash ISAs and Stocks and Shares ISAs.
Cash ISAs are designed for cash savings that generate a return of interest on your balance.
Stocks and Shares ISAs are investment accounts that enable you to invest in the stock market with your savings.
What are the tax advantages of an ISA?
There are two types of tax that you don’t have to pay in an ISA:
Income Tax
You normally pay income tax on:
- Interest earned in a cash savings account
- Dividends received from stocks and shares investments
Capital Gains Tax
You normally pay capital gains tax on:
- The growth of your stocks and shares holdings when you come to sell them
Within an ISA account, your savings are completely sheltered from the above taxes and you never need to worry about declaring or paying them.
What can you invest in with a Stocks and Shares ISA?
In a Stocks and Shares ISA, you can either pick your investments yourself or invest in a ready-made ISA portfolio managed by professionals.
If you are selecting your own investments, here are our top 3 types of Stocks and Shares assets to invest in:
- Shares – shares of individual publicly traded companies
- Managed Funds – come in the form of OEICs, Unit Trusts and Investment Trusts: these are investment funds that spread your investment across multiple companies within a specific sector
- ETFs – Exchange Traded Funds are tracker funds designed to replicate the performance of a specific index, market or sector
Creating your own Stocks and Shares ISA portfolio can be a daunting task. However, if you put in the research, it can be rewarding compared to the potential returns available through Cash ISA savings.
But remember, your investments can fall as well as rise in value so you could lose money in a Stocks and Shares ISA.
If you are new to investing, then you could consider investing in a ready-made ISA portfolio instead.
Ready-made ISA portfolios:
Ready-made ISA portfolios are usually graded by risk level, from cautious and defensive portfolios to adventurous and higher risk options.
Generally, the higher risk a portfolio, the more it will fluctuate both up and down in value.
Ready-made ISAs diversify your investments instantly and are managed on a day-to-day basis by investment professionals; however, your investments can still fall in value and it’s important to be aware of the risks before you invest.
What can you invest in with a Cash ISA?
Cash ISAs keep your savings as cash, so they can’t fall in value and you earn interest on your balance.
There are two main rates of interest that Cash ISAs pay, fixed rates and variable rates.
Fixed-Rate Cash ISAs:
- Earn a guaranteed rate of interest for the duration of your fixed term
- You can’t make withdrawals before the end of your fixed term
- If you do withdraw, you are charged or lose a chunk of the interest you’ve earned
- The longer your fixed term, the higher interest rates on offer
Variable-Rate Cash ISAs:
- Earn a variable rate of interest on your cash savings
- Variable interest rates are generally lower than fixed-rate options
- You are not locked into a fixed term and can usually withdraw any time, free of charge
What are the essential ISA rules?
Although ISA accounts are fairly simple products, there are a few rules to be aware of before investing.
Here are the most important ones:
- You have an annual ISA allowance of £20,000 for the current tax year, so you can’t add more than this to ISAs this year
- You can split your allowance between Cash and Stocks and Shares ISAs
- You are not allowed to contribute to more than one Cash or Stocks and Shares ISA in the same tax year
- You are allowed to contribute to more than one Cash or Stocks and Shares ISA across separate tax years
- You are allowed to transfer your existing ISAs to a new ISA and it won’t use up any of your ISA allowance
- Your ISA allowance doesn’t roll over each year, so you lose what you don’t use
Who can open an ISA account?
Any UK resident over the age of 16 is eligible to open an ISA account, although some providers require you to be 18.
How do I open an ISA account?
Most ISAs can be opened online, over the telephone, by post, and some even in branch.
The easiest way to open an ISA is online, as the process is simple and can be completed in a matter of minutes.
To add money to your ISA, the most common method is to make a debit card payment or to set up a direct debit for a regular contribution.