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Lloyds ISA

Compare Lloyds with a selection of ISAs from different providers.

Investment ISAs put your capital at risk & you may get back less than you originally invested

Cash ISA Saver

from Lloyds Bank

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio.
  • Invest From: £25 pm

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK.
  • Invest From: £25 pm

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500

Share Dealing ISA

from IG

Allows ISA Transfers
  • Trade From (frequent trader rate): £3.00
  • Trade From (standard trader rate): £8.00

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in shares, funds, investment trusts, exchange traded funds. 5 Ready made portfolios if you are not sure where to invest. Capital at risk.
  • Invest From: £1 pm

Junior Sustainable Stocks & Shares ISA

from Shepherds

Regular Savings
  • Invest From: £10 pm
  • Investment Options: The fund aims to invest in sustainable companies that offer long-term growth, while making a positive difference to the world your child grows up in. Capital at risk.

Junior Stocks & Shares ISA

from Hargreaves Lansdown

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Invest in over 3,000 funds, UK and overseas shares, investment trusts and ETFs. Capital at risk.

Junior Stocks & Shares ISA (Future World ESG Developed Index Fund)

from Legal & General

Regular Savings
  • Invest From: £25 per month
  • Investment Options: Invests in broad developed stock markets, such as the US, Japan and Europe. Capital at risk.

Junior Ethical Stocks & Shares ISA

from Nutmeg

Regular Savings
  • Invest From: £100 lump sum
  • Investment Options: Nutmeg offer a socially responsible junior investment ISA which places emphasis on environmental and social and governance factors. Capital at risk.

Junior Stocks & Shares ISA

from AJ Bell

Regular Savings
  • Invest From: £25 pm
  • Investment Options: AJ Bell offer a wide range of investments including shares, funds, investment trusts and ETFs (exchange traded funds). Capital at risk.

Junior Stocks & Shares ISA

from Interactive Investor

Regular Savings
  • Invest From: £25 pm
  • Investment Options: Choose from more than 40,000 UK and global investment options for your child's ISA. Capital at risk.

Junior Stocks & Shares ISA

from Nutmeg

  • Investment Options: Invest in one of four expertly designed portfolios depending on your investment style. Capital at risk.

Junior Stocks & Shares ISA

from Wealthify

Regular Savings
  • Invest From: £1
  • Investment Options: Choose from one of five investment styles based on risk, and a team of experts build your child’s Junior ISA, choosing which investments to buy and managing them on your behalf

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:

  1. 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.
  1. 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.

  1. 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.
  1. 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.
  1. 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. 

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk

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Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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