ISA is tax free, ING is not

You can contribute up to 3k into a Cash ISA in the current tax year provided you don't have

A. Another cash ISA with another provider

B. A Maxi ISA

You can put up to 7k into an ISA tax free if you use the other element available

Stocks and shares (risky)

Life assurance (Not risky, but steady (read slow ) investment growth

Plenty of tax efficient National Savings products to consider as well