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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.

Investment Fund Supermarket ISAs

Click & Invest Stocks & Shares ISA

from Investec Click & Invest

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Managed Portfolios
  • Invest From: £2,500

Why we like it: In a nutshell this service helps make your ISA money work harder! Investec Click & Investis an online investment service that aims to make actively managed, globally diversified investment portfolios accessible to a wider audience. Everyone deserves harder working money, and Click & Invest’s goal is to make a positive difference to more financial futures. Their experts build and manage investment portfolios from £2,500 online, intelligently blending expertise with high-quality service. With a £2,500 minimum investment, Click & Invest aims to deliver an exceptional service for a straightforward fee. They offer both stocks and shares ISAs and general investment accounts, with a seamless online experience, with dedicated 24/7 support available. Capital at risk.More info...

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.25% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 10.25% annual growth.

  • 10.25% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • 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
  • 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.

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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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