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

What types of ISA are there?

s are a first port of call for UK savers however there are different types. We explore the different s available. What types of ISA are there? Individual Savings Accounts (ISAs) are the principal method of tax-efficient savings in the UK, and there are several...
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 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

ISAs vs Peps: What You Need To Know

You want to put your money to work in an efficient way – you’ve heard the terms ‘ISAs’ and ‘Peps’ thrown around – but what are they, and what do you need to know about each of them? We’ve got the lowdown, broken down for you here in this blog.  What is a “Pep”?...
Read More

How to Transfer an Investment ISA

If you already hold a Stocks and Shares ISA, but have found a better deal and want to take advantage of it – you’ll want to transfer your existing Investment ISA to a new provider. We’ve broken down everything you need to know about how to transfer your Investment ISA...
Read More

NEW ISA Plan – Offering Potential 8% pa Interest

New ISA plan offering potential 8% pa interest or 2.5x any rise in the FTSE 100 Index with no upper limit “With the best traditional savings rates offering around 2.7% per year, and significantly lower for Cash ISAs, the potential for 8% from a plan with full capital...
Read More

Using ISAs as Part of Your Long-Term Financial Strategy

Individual Savings Accounts (ISAs) are more than just a tax-efficient way to save—they're a powerful tool for your long-term financial strategy. Whether you're dreaming of early retirement, planning for your child's education, or building a solid investment portfolio,...
Read More

ISA vs SIPPs: Which is Right For Me?

Saving for retirement? You want to make your money work for you long-term. You’ll also want to be making the most of your tax allowances year-on-year. So, which is better for you: an ISA or a SIPP?  For long-term savers, you’ll be looking for the account which...
Read More

Budget 2020: Junior ISA Allowance to Double

For parents looking to put money aside for their children’s future, the ISA allowance for tax year (as announced in the Budget on March 11th) should allow considerably more savings in their tax-free wrapper.  What is a JISA?  A JISA is an ISA (a tax-free...
Read More

What Are The Stocks And Shares ISA Rules?

What are the rules when it comes to stocks and shares s? ISA Eligibility To be eligible for a stocks & shares ISA, you need to be aged 18 or over and resident in the UK. The only real exception to the residence requirement is that Crown servants based...
Read More

What’s a Climate Change Fund ISA?

For those who want to invest their money, but want to ensure they align their ISA accounts with their personal convictions about the planet: fear not! You can still make good returns from your investments while ensuring your money isn't invested in funds with a...
Read More

Best low cost stocks and shares ISAs: Our Top Picks

Are you wanting to open a low-cost stocks and shares ISA? You’re not alone, and with so much out there to choose from, it can be a bit overwhelming to get a view of the lowest cost options. So, we’ve put together our top 3 picks for FTSE 100 low-cost Stocks and Shares...
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

Where Can I Get a Stocks and Shares ISA From?

Investing into a Stocks and Shares ISA can be a great way for savers and investors to diversify their holdings - but where do you get them from? We've broken down the places you should be looking for your Investment ISA.  Who can I get an ISA account from? While...
Read More

How to open a Stocks and Shares ISA

You've decided you want to be earning more from your tax-free ISA opportunity, so you want to get going with an investment ISA: putting your money to work on the stock market. But how do you get started? What’s the process for buying a Stocks and Shares ISA? Are...
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

How to Choose the Right ISA for You

You have a £20,000 yearly allowance that you can put into the ISA tax-free wrapper. You can spread this over different types of ISAs or you can focus your money into one type of ISA. Choosing the right type of ISA is important to make sure you make the most of your...
Read More

5 Funds to Consider for Your 2020 Investments

There is just over one month left in tax year 2019/2020 – so if you haven’t used your tax allowance of £20,000 for ISA savings yet, now is the time to act. We’ve put together 5 funds you should consider investing in to make the most of your tax-free savings this tax...
Read More

Exploring Your Investment Options Available Through ISAs

Individual Savings Accounts (ISAs) offer a range of tax-efficient options for investors. Beyond the basics of a Cash ISA or a Stocks and Shares ISA, you'll find numerous investment strategies and products available to tailor your ISA portfolio to your financial goals...
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

Is a Stocks and Shares ISA Taxable?

You might be a first-time investor wanting to put some money away to invest, and wondering – if I open an investment ISA, will I be taxed on the returns? We’ve answered your question – and more.  The short answer? No! The biggest benefit of the ISA account is...
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

Investment ISA vs Cash ISA

So, you've heard about all the benefits that opening an ISA can give you, and you'd like to take advantage of the tax-free savings you can make. But, which type of ISA will work best for you: a Cash ISA or an Investment ISA? The answer to this depends on who you are,...
Read More

What Do I Need To Open An ISA

Individual Savings Accounts are a well-known tax-efficient investment option. So how exactly do you go about getting one? Individual Savings Accounts are a well-known tax-efficient investment option. So how exactly do you go about getting one? Decide how much you can...
Read More

30 Tips and Tricks for Getting the Most Out of Your ISA

Ready to unlock the full potential of your ISA (Individual Savings Account)? Whether you're a seasoned saver or just starting out, maximising your ISA can supercharge your savings and investments. In this article, you'll find actionable tips and smart strategies to...
Read More

Autumn Investments: The Top Funds by ISA Type for September 2020

The end of the summer of 2020 is looming. The leaves are starting to turn, there’s a crisp edge to the air – and the clock of the tax year keeps on ticking. There are lots of opportunities to invest your yearly ISA allowance in an ISA which suits you, so we’ve put...
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

How Safe Is My ISA?

Whether you’re looking for an Investment, Cash, Innovative or Junior ISA, are a popular way to gain interest and returns without having to pay tax on what you make. But what are the risks of each type of ISA? We’ve gone through each ISA type and explained the risks,...
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
ISA Comparison

Is a Fixed-Rate ISA Right for You? A Comparison with Other ISA Types

If you want to save money and plan for the future, an Individual Savings Account (ISA) can be beneficial. Fixed-Rate ISAs are one of the most popular options available in the UK, offering stability and guaranteed returns. However, with so many ISAs to choose between,...
Read More