In the United Kingdom, Individual Savings Accounts have been helping citizens to save without being charged any tax fee. Individual Savings Account allows owners to easily access their money without encountering fixed tariffs. Instant access ISA is the most convenient as compared to the fixed rate cash Individual Saving Account. An Individual Saving Account owner is only allowed to have one cash ISA per a fiscal year, a crucial factor that motivates the account holders to save their cash maximumly.