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Lloyds ISA

Compare Lloyds with a selection of ISAs from different providers.
Compare Lloyds ISAs With The Market. Find the right tax FREE ISA for you.
Selected ISAs

Stocks & Shares ISA

from Prudential

Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Four unique PruFunds
  • Invest From: £50 p.m. or £500 lump sum
  • Investment Options: Lump sums, regular savings and ISA transfers

Why we like it: Choose from 4 unique PruFund Funds, each one with a different level of risk and managed by Prudential’s in-house experts, and you can keep track of your investments 24/7 using their online valuation service. Open with as little as £50 per month or a one off lump sum of £500. The application process takes around 10 minutes and they also have a simple transfer process if you already have ISAs that you wish to move across. Other benefits include one simple annual management charge and no exit fee.

Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.35% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Why we like it: Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 50%. By offering a high fixed income rather than a variable income based on the performance of the stock market, this plans offers something different to income seekers.

  • 4.35% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Peer to Peer Lending ISAs

CROWD2FUND ISA

from CROWD2FUND

Allows ISA Transfers
Interest Rate Earn an estimated 8.70% APR
  • Term: 1-5 years
  • Protection Scheme: Own Scheme
  • Invest From: £10
  • Currently 0% platform default rate
  • Access to your capital
  • Balance your level of risk
  • Capital at risk
Fixed Rate Cash ISAs

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.00%
  • Term: 1 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

Lloyd's ISA

Lloyd's offer both Stocks & Share ISAs and Cash ISAs for savers looking for a tax free or tax efficient way to invest their money. However as well as reviewing what a Lloyd's ISA can offer you it is a good idea to shop around and compare the market to try and find a top deal that fits your savings needs. You can use the comparison table below to compare a selection ISAs from different providers to see if you can find the best buy for you:

  • Lloyd’s Cash ISAs – The Lloyd's Cash ISA saver allows you instant access to your savings so you can make unlimited withdrawals when you need to, while earning tax-free interest on your savings, paid yearly. Lloyd’s 2 Year Fixed Rate Cash ISA give you the option of earning a fixed rate of interest over a 2 year period providing you can lock your cash away for that long; you can access your money, but you will face a tax penalty for any amount you take out, option of interest being paid yearly or monthly.
  • Lloyd's Stocks & Shares ISAs – The Lloyd's Stocks & Shares ISA give you the option of investing in three managed growth funds based on your personal attitude towards risk, you have the option of investing a lump sum, making monthly deposits or both. Lloyd's also offer their ‘Share Dealing ISA’ that allows you to directly select from a variety of investments such as; shares, gilts, bonds and funds both in UK and global markets.

Types of ISA

Before you open an ISA it is important that you understand its specific features, ISAs are categorised in two distinct groups; Cash ISAs and Stocks & Shares ISAs. You can only have one of each type of ISA each tax year and if you decide to open one of each your personal allowance still stays the same so you will need to break it up between the two accounts.

  • Cash ISAs – Are basically normal savings accounts as offered by many banks and building societies, however up to your maximum personal allowance for each tax year, the interest you earn on this kind of account is tax free. Providers offer different kinds of Cash ISAs permitting different levels of access to your savings, generally speaking the less access to make early withdrawals the higher the rate of interest offered.
  • Stocks & Shares ISAs – Are not investments in themselves, they operate as tax-efficient investment accounts that allow you to put money into other products such as funds and shares. There are self-select options which allow you to directly invest in different stocks and shares. There are also S&S ISAs that work as collective investment schemes, where your money is pooled with other investors into funds.
  • Savers under 18 can have special Junior ISAs of both kinds, they can be opened on the behalf of someone under 16 by someone with parental responsibility or by savers aged between 16 and 18.

ISA Transfers

All providers of ISAs have to let you transfer them to other providers, as such its good idea to often check the market see what the best deal available is. However ISA providers can put an interest penalty on your account for transferring to another provider. Before you make the switch therefore, it is wise to work out if factoring in any penalty if you’d actually earn-more interest overall sticking with your current arrangement. 

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

ISAs Products

Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

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20th June 2017

People often ask: “what is the best investment ISA?” The answer to this question is not a simple one, with the best investment ISA for you depending on a number of factors. 

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