£20,000
A year, across all your ISAs
You can save up to £20,000 in ISAs each tax year, in one account or split across several. The tax year runs from 6 April to 5 April. Interest and growth inside an ISA are tax-free.
ISAs
Cash ISA and Lifetime ISA rates
Top rates, sorted by rate, highest first, for easy-access cash ISAs, 1-year fixed cash ISAs and Lifetime ISAs. Every rate is checked on the provider's own page and dated, and any exception says so on its row. A list, not a recommendation.
Easy-access cash ISAs
Rates checked on
A cash ISA you can pay into and take money out of whenever you like, with the interest free of UK tax. Rates are variable and can change at any time, so it generally suits money you may need at short notice.
| Account | AER | Type | Access | Notes | Link |
|---|---|---|---|---|---|
| PlumCash ISA | 4.55%includes a 2.01% bonus for the first 12 months | Variable | Withdraw any time | Plum is an app, not a bank: cash is held with partner banks that are FSCS covered. Rate drops to 2.54% after 12 months. Bonus only paid if you keep the account for 12 months and meet Plum's conditions. Money transferred in from another ISA earns a lower 3.75%.App onlyFlexible ISATakes transfers in | See provider: Plum Cash ISA (opens in a new tab) |
| ChipSmart Cash ISA | 4.50%includes a 1.00% new-customer boost for 12 months | Variable | Unlimited withdrawals, paid out next working day | Chip is an app, not a bank: cash is spread across UK partner banks, FSCS covered per bank. New customers only. Falls to 3.50% after 12 months, and tracks the Bank of England base rate. Page did not say whether ISA transfers in are accepted.App onlyFlexible ISA | See provider: Chip Smart Cash ISA (opens in a new tab) |
| Bank of Ireland UKOnline ISA: Easy Access | 4.30%includes a fixed 3.40% bonus for the first 12 months | Variable | Easy access | Drops to 0.90% AER when the 12-month bonus ends. Over-18s.Min £100 | See provider: Bank of Ireland UK Online ISA: Easy Access (opens in a new tab) |
| Charter Savings BankEasy Access Cash ISA (Issue 82) | 4.26% | Variable | Withdraw any time, to your nominated account only | Online only. Not flexible: money taken out can't be put back without using more allowance.Takes transfers in | See provider: Charter Savings Bank Easy Access Cash ISA (Issue 82) (opens in a new tab) |
| Atom bankEasy Access Cash ISA | 4.25% | Variable | Unlimited withdrawals | App only. No ISA transfers in for now. Not flexible. No introductory bonus, so the rate is not set to drop after a year.App onlyNo transfers in | See provider: Atom bank Easy Access Cash ISA (opens in a new tab) |
| Post OfficeOnline ISA: Easy Access | 4.25%includes a fixed 3.35% bonus for 12 months | Variable | Easy access | Drops to 0.90% AER when the 12-month bonus ends. | See provider: Post Office Online ISA: Easy Access (opens in a new tab) |
| Tesco BankInstant Access Cash ISA | 4.20%includes a fixed 3.15% bonus for 12 months | Variable | Unlimited withdrawals to a linked account in your name | Most of the rate is a 12-month bonus. After that it falls to the standard rate, currently 1.05%. Interest paid yearly. You need a UK current account in your name.Flexible ISATakes transfers in | See provider: Tesco Bank Instant Access Cash ISA (opens in a new tab) |
| Leeds Building SocietyOnline Access Cash ISA (Issue 22) | 4.16% | Variable | Unlimited withdrawals | Needs £1,000 to open. Run online only. Leeds lets you pay into only one of its cash ISAs per tax year.Min £1,000Flexible ISATakes transfers in | See provider: Leeds Building Society Online Access Cash ISA (Issue 22) (opens in a new tab) |
1-year fixed cash ISAs
Rates checked on
A cash ISA that pays a set rate for 12 months, with the interest free of UK tax. Taking money out early usually costs some interest, so it generally suits money you won't need for a year.
| Account | AER | Type | Access | Notes | Link |
|---|---|---|---|---|---|
| OakNorth BankFixed Rate Cash ISA (12 months) | 4.91% | Fixed1 year | Early withdrawals lose 90 days' interest on the amount taken | Open via website or app. Must be a UK resident with a UK bank account.Takes transfers in | See provider: OakNorth Bank Fixed Rate Cash ISA (12 months) (opens in a new tab) |
| Vanquis Bank1 Year Fixed Rate Cash ISA | 4.90% | Fixed1 year | Early withdrawal costs 90 days' interest | Fund within 30 days of applying. Moves into an Easy Access Cash ISA at the end of the term unless you choose otherwise.Min £1,000Flexible ISATakes transfers in | See provider: Vanquis Bank 1 Year Fixed Rate Cash ISA (opens in a new tab) |
| Hodge Bank1 Year Fixed Rate Cash ISA | 4.88% | Fixed1 year | Early access costs 90 days' interest | No ISA transfers in, so new money only. Must pay in within 14 days of opening; no top-ups after. Online only.Min £1,000No transfers in | See provider: Hodge Bank 1 Year Fixed Rate Cash ISA (opens in a new tab) |
| Shawbrook Bank1 Year Fixed Rate Cash ISA (Issue 131) | 4.83% | Fixed1 year | Early withdrawals lose 90 days' interest | Apply online only. Accepts transfers from cash and stocks and shares ISAs.Min £1,000Takes transfers in | See provider: Shawbrook Bank 1 Year Fixed Rate Cash ISA (Issue 131) (opens in a new tab) |
| Charter Savings Bank1 Year Fixed Rate Cash ISA | 4.77% | Fixed1 year | Early access costs 90 days' interest | Needs £5,000 to open. Online only.Min £5,000Takes transfers in | See provider: Charter Savings Bank 1 Year Fixed Rate Cash ISA (opens in a new tab) |
| Bank of Ireland UKOnline ISA: Fixed Rate 1 year | 4.55% | Fixed1 year | Fixed for 1 year | Over-18s.Min £500 | See provider: Bank of Ireland UK Online ISA: Fixed Rate 1 year (opens in a new tab) |
| Leeds Building Society1 Year Fixed Rate Cash ISA (Issue 241) | 4.50% | Fixed1 year | Early withdrawals lose 90 days' interest | Open in branch, online or by post. Only one Leeds cash ISA can be paid into per tax year.Min £100Takes transfers in | See provider: Leeds Building Society 1 Year Fixed Rate Cash ISA (Issue 241) (opens in a new tab) |
| Post OfficeOnline ISA: Fixed Rate (1 year) | 4.50% | Fixed1 year | Fixed for 1 year | None | See provider: Post Office Online ISA: Fixed Rate (1 year) (opens in a new tab) |
Lifetime ISAs
Rates checked on
A Lifetime ISA lets people aged 18 to 39 save up to £4,000 a year towards a first home or retirement, with a 25% government bonus on what they pay in. Money taken out for any other reason usually faces a 25% charge.
| Account | AER | Type | Access | Notes | Link |
|---|---|---|---|---|---|
| MoneyboxCash Lifetime ISA | 4.65% | Variable | App only. Withdrawals for anything other than a first home or age 60+ carry the 25% government charge | Rate as listed by MoneySavingExpert on 1 October 2026 (Moneybox's page blocked automated reading). Transfers in only if you haven't had a Moneybox LISA before. Check the rate on Moneybox's app or site before opening.App onlyTakes transfers in | See provider: Moneybox Cash Lifetime ISA (opens in a new tab) |
| TemboCash Lifetime ISA | 4.56%includes a 1.01% AER fixed bonus for the first 12 months | Variable | Penalty-free only for a first home or from age 60 | Rate for new customers; underlying rate 3.55% AER after 12 months. Tembo is not a bank: cash is held with partner banks and FSCS cover applies per partner bank. App only. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.App onlyTakes transfers in | See provider: Tembo Cash Lifetime ISA (opens in a new tab) |
| PlumLifetime ISA (cash) | 4.52%includes a 1.41% AER Plum bonus for 12 months | Variable | Penalty-free only for a first home or from age 60 | Drops to 3.11% AER after the bonus period; bonus has conditions. Plum is not a bank: cash is held with partner banks, FSCS cover applies per bank. App only. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.App onlyTakes transfers in | See provider: Plum Lifetime ISA (cash) (opens in a new tab) |
| Skipton Building SocietyCash Lifetime ISA | 2.05% | Variable | Penalty-free only for a first home or from age 60 | Apply online; sole name only. Interest paid yearly on the opening anniversary. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.Takes transfers in | See provider: Skipton Building Society Cash Lifetime ISA (opens in a new tab) |
| Nottingham Building SocietyOnline Lifetime ISA | 2.00% | Variable | Penalty-free only for a first home or from age 60 | Open and manage online or in the app only, not in branch. Accepts full transfers in. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.Takes transfers in | See provider: Nottingham Building Society Online Lifetime ISA (opens in a new tab) |
| AJ BellLifetime ISA (stocks and shares) | No set rateInvested: value can fall | Investment | Penalty-free only for a first home or from age 60 | Investment platform, not a deposit account: value can fall. Platform fee up to 0.25% a year; dealing from £1.50, free for regular monthly investing. Minimum £25 a month or £250 lump sum. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.Min £25Takes transfers inNot FSCS protected | See provider: AJ Bell Lifetime ISA (stocks and shares) (opens in a new tab) |
| Hargreaves LansdownLifetime ISA (stocks and shares) | No set rateInvested: value can fall | Investment | Penalty-free only for a first home or from age 60 | Investment platform, not a deposit account: value can fall. Account charge up to 0.25% a year on investments; free to open. From £25 a month by direct debit. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.Min £25Takes transfers inNot FSCS protected | See provider: Hargreaves Lansdown Lifetime ISA (stocks and shares) (opens in a new tab) |
ISA basics, in plain English
The rules as GOV.UK states them for the 2026 to 2027 tax year, checked on 1 October 2026.
£12,000
The cash ISA limit from April 2027
From 6 April 2027, no more than £12,000 of the yearly £20,000 can go into cash ISAs. The rest can still go into stocks and shares ISAs. If you're 65 or over, the cash limit stays at £20,000, from the start of the tax year you turn 65.
£4,000
A year into a Lifetime ISA
You can open a Lifetime ISA if you're 18 or over and under 40, and pay in up to £4,000 a year until you're 50. That £4,000 counts towards your £20,000 allowance.
25% bonus
Added by the government
The government adds 25% to what you pay in, up to £1,000 a year. Pay in the full £4,000 and you get £1,000 on top.
£450,000
First-home price cap
You can use it towards your first home if the property costs £450,000 or less, you buy at least 12 months after your first payment in, and you buy with a mortgage. You can also take it out from age 60.
25% charge
On any other withdrawal
Take money out for any other reason and you pay a 25% withdrawal charge on what you take out. That's more than the bonus: pay in £800, get £200 bonus, take out the £1,000 and you get back £750. There's no charge if you're terminally ill with less than 12 months to live.