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Notice Cash ISA
As the name would suggest Notice Cash ISAs require you to give ‘notice’ to access your savings. The notice period varies from account to account, but is generally between 30 and 180 days. This means you need to plan ahead should you wish to withdraw any savings, although some Notice Cash ISAs do allow you immediate access to your savings providing you pay a penalty, which will vary from account to account.
Notice Cash ISAs often pay a better rate of interest than you get with an Instant Access Cash ISA, furthermore the longer you are prepared to tie up your savings the better the rate of interest. However, you must be happy to wait for the length of the notice period before you can withdraw your savings.
The amount you can save in ISAs is subject to a limit each tax year. However, if you don’t use your yearly allowance, you won’t be able to roll the allowance into the next financial year. So, to get maximum results, you should try to put away as much as you can afford each year.