Every flag on these shelves, explained

Flexible

Withdraw and replace in the same tax year without using more allowance

Shows on Cash ISAs

Transfer-in ✓

Accepts transfers of existing ISAs — moving an old ISA never uses new allowance (but never withdraw-and-redeposit yourself)

Shows on All ISAs

transfers-in: partial or none

Transferring an old ISA in never uses new allowance — but this account only takes a partial transfer, or pays transferred-in money a lower rate than new money

Shows on All ISAs

withdrawals: -day interest penalty

Fixed ISAs must let you withdraw — but this one charges a set number of days' interest to do it

Shows on Fixed cash ISAs

bonus %

Includes a temporary bonus — the rate drops when it ends. Add the account and Blooom watches the cliff for you

Shows on Easy access, ISAs

Sharia — expected profit

An expected profit rate, not guaranteed interest — Sharia-compliant banks share profit instead. FSCS applies as normal

Shows on Any Sharia product

rate stops at £

The headline rate only applies up to this balance — above it earns less

Shows on Current, easy access

withdrawals/yr

More than a set number of withdrawals a year and the rate drops — easy access with a catch

Shows on Easy access

app-only

Managed entirely in the provider's app — no branches, no web login

Shows on Any

min £ · max £

Deposit limits — below the min it won't open, above the max earns nothing extra

Shows on Any

interest monthly

Pays interest monthly rather than annually — matters if you're drawing the income

Shows on Fixed, notice

existing customers

Needs the provider's current account first — the rate is real but the door is narrow

Shows on Regular savers

needs a linked account

The rate only applies if you also hold or open the provider's linked account — the rate is real but the door is narrow

Shows on Easy access, regular savers

monthly account fee

The linked account this rate needs charges a monthly fee — the fee eats into what the rate earns, so the effective return is lower than the headline

Shows on Easy access, regular savers

new customers only

Open only to people new to the provider (or to new money) — existing customers can't get this rate

Shows on Easy access, ISAs

online / branch / post only

How the account is opened and run — online, in a branch, or by post rather than however you already bank

Shows on Any

joint account

Can be held in two names — useful for shared savings

Shows on Any

lasts a set period

A time-limited account — it runs for a set period then closes or reverts, but you can still get at your money throughout. It is not a fixed-term bond

Shows on Easy access, notice

FSCS ✓

Deposit protection up to the FSCS limit per person per banking licence — tap for your own protection picture

Shows on All deposits

Treasury-backed

NS&I is backed by the government — 100%, no limit

Shows on NS&I only

Investments protected

Investment protection covers the firm failing or your money going missing — never a fall in what your investments are worth. It is a separate limit from cash deposits.

Shows on Investing shelves

Not FSCS deposit protected

This account does not hold your money as a deposit with a bank. It buys units in a money market fund

Shows on Money-market cash products