Some ISA providers will guarantee the initial interest rate longer than others. In most cases, the rate will remain the same for a period of six months, but you can find providers that will continue to pay the higher rate of interest for up to a year.

With most cash ISA’s you can deposit money at any time and some providers don’t require that you maintain a certain balance. But, there are some exceptions to that rule. Some providers require that you maintain a set balance and others will only let you make one single deposit that is at or below the yearly limit.

You will also want to know exactly what the providers guidelines are for withdrawals. While some providers don’t limit withdrawals, some will have a set amount that you’re allowed to withdraw each year. Make sure that you know the rules on transfers to. Some providers don’t allow transfers and others will charge you a penalty to transfer your ISA.