Compare ISAs 2025

Find the best ISA for your financial future

ISAs are a great way to maximise your tax-free savings allowance and meet your financial goals. Whether buying your first home, planning for a fun-filled retirement or building an investment portfolio, finding the right ISA for your needs is vital.

As a comparison tool dedicated solely to ISA products, we simplify your search by enabling you to compare rates and benefits in one convenient place.

What is an ISA?

An Individual Savings Account is a financial product that lets you save money each year without incurring any tax. While general savings accounts are subject to tax, ISAs are ideal if you have long-term financial goals and want to make the most of your money. 

As long as you remain within the yearly allowance of £20,000 for 2025/26, you won’t pay any tax on your savings. Many people choose to open two or more ISAs – splitting their £20,000 allowance between different savings goals (you can’t do this with a Lifetime or Junior ISA).

Choose between a variety of ISAs:

Cash ISAs

Cash ISAs are similar to regular savings accounts apart from one key difference: you won’t pay tax on any interest you earn – as long as you remain within the £20,000 limit.

Most Cash ISA providers offer different products, and the one you choose should align with your savings goals.

For example, if you’re saving for a property deposit, a fixed-rate ISA might be beneficial, as the money is locked away for a set time, but you’re guaranteed the same interest rate for between one and five years.

If you’d prefer more flexibility, instant access ISAs let you withdraw money as and when needed. Limited access ISAs are also available, offering higher interest rates than their instant access counterparts.

View Cash ISAs

Stocks and Shares ISAs

Investment ISAs are ideal if you want to diversify your financial portfolio by investing money in a variety of stocks, shares, and other products.

While they share similar traits with Stocks & Shares ISAs, you can invest money in ETFs (Exchange Traded Funds), bonds, gilts and investment trusts.

The main benefit of these ISAs is that you can avoid Capital Gains and Income tax on your returns as long as you remain within the allowance.

If you’re more interested in traditional investments, a Stocks & Shares ISA will suit your needs, but Investment ISAs are more flexible.

View Investment ISAs

Lifetime ISAs

Lifetime ISAs are popular financial planning tools that ensure you’re saving for the future. As long as you’re over 18 and under 40, you can open an account and start saving for your first home or anything else. 

The best thing about Lifetime ISAs is their flexibility, as you can combine cash and investments. With maximum annual limits of £4,000 and a 25% government bonus, these products keep you on track and offer high returns. 

If you don’t use your ISA by the time you turn 50, you can’t deposit any more funds. However, you can keep the account active and withdraw money when ready. 

View Lifetime ISAs

Peer-to-Peer ISAs

P2P or Innovative Finance ISAs enable you to reap the rewards of one of the most popular investment models. Peer-to-peer loans continue to be popular, and these ISAs mean you can make a positive return on your investment. 

For example, if you choose an IFISA and receive 5% interest on your initial investment, you won’t need to pay any income or capital gains tax. 

While these ISA products are growing in popularity, they require careful evaluation. 

View Peer-to-peer ISAs

Junior ISAs

Junior ISAs let you plan for your child’s future and ensure they have vital financial support. If you’re the parent or primary guardian, you can open an ISA on behalf of your child and pay up to £9,000 each year without incurring any tax. 

Once the child turns 18, they can access and withdraw the money from their account. Junior ISAs ensure financial support and make it easier to put money away for your child and receive a return on your investment. 

While Cash ISAs are most popular for juniors, some companies also offer Stocks & Shares Junior ISAs. 

View Junior ISAs

Find the ISA you’re looking for

Tax-free returns

Interest you make on your savings is tax-free.

Competitive rates

Lots of providers means lots of competitive rates.

Shop around

Find an ISA that suits your life and your savings.

Why ISA.co.uk

FAQs

What's the maximum ISA allowance?

You can invest up to £20,000 in one or multiple ISAs annually. Your allowance won’t roll over to other years, so it’s best to make the most of it.

Are there age limits for ISAs?

In most cases, you need to be 18 and over to open an ISA, but 16-year-olds with Junior ISAs can register as the main contact for their accounts (18 is still the minimum age to withdraw money). 

People over 40 can’t open a Lifetime ISA.

Can I withdraw money from my ISA?

It usually depends on the ISA you choose. For example, flexible Cash ISAs let you withdraw and reinvest money as and when needed, while fixed ISAs have restrictions.

Withdrawing money might incur a fee, so reading your ISA’s terms and conditions is important.

Are ISAs risk-free?

Cash ISAs are similar to traditional savings accounts if you’re looking for a low-risk option. Investment ISAs have higher risks because the market can change at any time. 

On the plus side, higher risk can sometimes result in more rewards.

Can I transfer an ISA to another provider?

Yes, it’s possible to transfer your ISA to another company or change the type of ISA. Your new provider can help you do this.

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs:

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare Stocks and Shares ISAs:

Latest News

Our How-To Guide on ISAs for Beginners

So you've heard opening an ISA is a good idea, but you've no idea where to begin. You don't know your LISAs from your JISAs, and the plethora of choice available on the market is fairly overwhelming. Luckily for you, we've broken down everything you need to know about...
Read More

How to Use an ISA to Buy Your First Home

The task of saving for a deposit on your first home is a long and tough one, but it will all be worth it when you finally unlock the door and have your first glass of bubbly in your new home. You’ll want all the help you can get in struggling up the hill of...
Read More

Choosing Ethical Stocks and Shares ISAs

Choosing ethical Investment ISAs mean you can put your money where your mouth is, by investing your cash in line with your principles. But how do you choose the best place for your investment?  ISAs are accounts with a tax-free wrapper allowing you to enjoy...
Read More

ISAs for the Over 50s

Investing is a good idea at any age. But what are the best investments for those looking to invest in their fifties? You’ll likely be saving for your retirement – or looking to. You have a lot of options – and we’ve broken them down for you here.  When looking at...
Read More

Can ISAs be Inherited?

ISAs are an excellent way to save or invest, all while keeping the returns from interest or investments safe from the tax man. Your early allowance for 2020/2021 allows you to put up to £20,000 away each year in order gain tax-free returns. However - what happens to...
Read More

Wondering How Much You Can Invest in A Stocks and Shares ISA?

If you’re looking to make the most of you 2020/2021 ISA allowance, then the most attractive rates on offer to you will be Stocks and Shares ISAs. If you’re wanting to put your money into a tax-free wrapper and gain interest from investments then you’ll want to be...
Read More

What is a lifetime ISA

The lifetime was launched in 2017 as a savings vehicle that younger people can use either to provide for buying a first time home, or to save for their retirement. What is a lifetime ISA? The lifetime ISA was launched in 2017 as a savings vehicle that younger people...
Read More

Can I Get and ISA with My Partner?

Lots of couples choose to consolidate their finances into one shared account which they can easily access and both keep track of. But how does this work in an ISA type? We’ve got all you need to know, so you and your partner can make informed, strong financial...
Read More

ISA investment platforms 2020 – 5 things to consider

Your £20,000 a year tax-free ISA allowance should be the first investment you consider making every year. But before you choose your ISA you need to choose the platform you’re going to manage it on. An investment platform is just the online administrative...
Read More

What do I need to know about ISAs?

ISAs are a popular way for Brits to get good tax-efficient returns on their pennies, but it’s important to know what the ups and downs are of any financial investment. So we did some research to find the most common questions you have about ISAs, and have answered...
Read More

How to Choose the Right ISA Providers for Your Financial Goals

An Individual Savings Account (ISA) is an essential tool for anyone looking to save or invest their money tax-efficiently. To help you reach your financial goals, whether you’re saving for a house, planning for retirement, or building a nest egg for the future,...
Read More

Our Top ISA Picks for November

Halloween has officially past, ushering in the new month of November. With Christmas just around the corner, the looming cost of presents, trees and the decorations lurks round the bend. So, for those looking to protect their pennies from some spontaneous seasonal...
Read More

Is It Too Late To Open an ISA?

The end of the tax year is April 6th, 2020…so how late is too late for me to open an ISA and use my allowance?  An ISA is an account where you can keep your funds in a tax-free wrapper. With the end of the tax year rapidly approaching, you might be wondering if you’re...
Read More

Cheapest Share Dealing ISAs – Our Picks 2020-2021

Using your ISA allowance to open a Share Dealing account can be a great option for a keen investor - however, choosing the right one (and the most cost-effective one) is an important decision. So we've put together our top picks for 2020/2021 to help you pick the one...
Read More

How Do I Buy a Stocks and Shares ISA?

The tax free allowance for your 2020/21 ISA is £20,000. You want to invest in a stocks and shares ISA. So how do you go about it? Wondering how to buy a stocks and shares ISA?  With the deadline quickly approaching, if you want to open an Investment ISA now...
Read More

What Happens to My ISA If I Move Abroad?

If you’re one of the lucky ones hopping on a plane to up sticks to sunnier lands than the UK (for a long-term or permanent move), then you need to think about what to do with your ISAs. Since ISAs are legislated by the Government and are designed for UK citizens to...
Read More

New (tax) Year, New You: How to Make the Most of Your ISAs in 2020/2021

Dawn breaks on the morning of April 6th 2020 – the sun is (potentially shining) and the new tax year has begun. With £20,000 of possibilities for your tax allowance for this new tax year – we’ve answered the most common questions that savers have at this stage.  The...
Read More

Rules of Transferring a Cash and Investment ISAs

It's always a good idea to shop around when looking for an ISA - to find the best interest rates and terms which suit you and maximise your returns. But what if you find a better deal after you have already opened an ISA?  Why would I want to transfer my...
Read More

5 Fund Ideas For Your 2021 ISA

There are a great many investment funds in which you can invest your ISA contributions, so it can be difficult to decide which ones to choose. So, to help you, here are five possible ideas. There are a great many investment funds in which you can invest your ISA...
Read More

How ISAs Can Help You Grow Your Wealth Without the Tax Hassles

When it comes to growing your wealth, taxes can take a significant bite out of your gains, reducing the compounding effect that’s key to building long-term financial security. Individual Savings Accounts (ISAs) are one of the most powerful tools available to UK savers...
Read More

What are the Best ISAs for Income?

Lots of experienced investors are looking to diversify their investment holdings, then you might be looking for some form of Income ISA, which can give you returns which are structured in such a way that they pay out regularly: like income. But with so many options,...
Read More

What ISA Options Do I Have?

There is a lot of variety when it comes to the types of ISAs account; it can be overwhelming when looking to choose which one you think is right for you. Cash ISAs, Investment ISAs, Lifetime ISAs, Peer to Peer ISAs, Junior ISAs...with such a wealth of choice, which...
Read More

How Many ISAs Can I Have?

There are a lot of options when it comes to s: Ls and Js, Investment, Cash and Peer to Peer (to name a few). But how many of these s are you allowed to have? There is quite a lot of freedom with these kinds of accounts but there are some legislated limits which are...
Read More

FTSE 100 Tracker ISAs: Cheapest Way To Invest £20000

We look at the 4 largest platform providers and compare what the annual charges would be on a £20,000 investment into an ISA in a leading FTSE 100 Tracker fund. Investing In A FTSE 100 Tracker Fund ISA If you are looking to invest the maximum current ISA allowance of...
Read More

Our Top Picks for Technology Stocks and Shares ISAs

The tech industry has been booming for the past fifteen years; and it seems to be a rollercoaster that only goes up. The tech bubble has yet to burst, with companies coming out with more and more technological developments and consumer demand is certainly not slowing...
Read More

Technology Stocks and Shares ISAs: What You Need To Know

Do you want to invest in Technology stocks and shares? You’re not alone, as the tech industry continues to be a booming trade, especially as post-lockdown society is relying more and more on technology to support society. So – if you’re looking for a good investment...
Read More

How to Make the Most of Your Fund Supermarket ISAs in 2021

If you are looking for a easy way to manage your ISA investments then a Fund Supermarket may be right for you.  When looking to for an Investment ISA, this can be a great place to start.  Are you shopping for a supermarket ISA?  There are...
Read More

5 Considerations for Your Next Investment ISA

Are you a first-time investor looking to make use of your remaining ISA allowance for this tax year? If you’ve never done this before, you need to look at the options before investing your hard-earned cash into a Stocks and Shares ISA, to make sure you’re getting the...
Read More

How much Can I Put in An ISA?

The tax benefits of ISAs are very attractive - so lots of Britons look to put their money into them each year. But just how much can you put into an ISA? And how much can you put into each type of ISA account? We've got all the answers you need, right here.  The...
Read More

How Do I Transfer My ISA?

You already have an ISA - but you're thinking you'd like a better rate. Or maybe you'd like to turn your Cash ISA into an Investment ISA. Or maybe you'd like to transfer your Investment ISA to a different type of Stocks and Shares ISA, if your priorities have changed....
Read More