Compare our Best ISAs

Find the best ISA for your 2024/25 ISA allowance.

You can put up to £20,000 into an ISA for the current tax year (which ends on 5th April). For Cash ISAs you can choose to either an instant access ISA or a fixed rate ISA from 1 to 5 years.

Investing for a child?  You can invest up to £9,000 in a Junior ISA (JISA) tax free with the cash locked away until the child turns 18.

If you are happy to invest in the stock market and ideally you have a 5 year plus timescale on how long you want to invest for, then see our stocks & shares ISA selections below.

Our Top Picks – Stocks & Shares ISAs

6 low cost funds selected by experts
Invest from £1

Features:
Award winning ISA for just £9.99 per month.


SPECIAL OFFER: The best things in life are free trades. Open a new ISA and get £100 free trades. Offer ends 30 April. Capital at risk. Terms Apply

See Deal »

Trusted by over 400,000 people. Fully FSCS protected.

Invest in 6,100+ US, UK & European stocks & ETFs commission-free


Start with £2 investment

Features:
Award-winning ISA. From £4.99/month

SPECIAL OFFER:
Sign up to Freetrade and you’ll get a free share worth £10 to £100. T&C’s apply

See Deal »

Trusted by over 1.5 million people. FSCS protected. Capital at risk. ISA eligibility and tax rules apply. Other charges may apply

5 investment styles including Smart Alpha
Invest from £500

Portfolio Options:
Choose from 1. Fully Managed 2. Smart Alpha 3. Socially Responsible 4. Fixed Allocation Portfolios 5. Thematic Investing

See Deal »

You can open or transfer to a Nutmeg ISA in minutes. Client assets are held seperately with Barclays & State Street. Consumers may be covered by FSCS. Capital at risk. Approved by Nutmeg 24/02/2023

Choose from a range of 36 funds and ETFs and 20 US stocks to invest with Moneybox
Invest from £1

Features:
Earn 3.8% AER Variable on any uninvested cash you hold!

There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information

See Deal »

Award-winning app. Fully FSCS protected.

Choice of 500 low cost ETF Funds
Invest from £1

Features:
No buying or selling fees. No ISA account charges. Powerful automation. Easy diversification. DIY or managed.

SPECIAL OFFER:
Top-up or transfer to InvestEngine by 30/04/24 and receive a bonus of up to £2,500 (Capital at risk, Ts&Cs apply)

See Deal »

Build your own low cost portfolio using managers such as Vanguard, iShares & Invesco. FSCS protected.

Choose from over 2,000 funds
From £25 per month

Features:
Low cost ISA. Multi-award winning ISA provider.

See Deal »

Mobile app – manage your portfolio on the move. FSCS protected.

Choose from 10 managed portfolios
From £1 lump sum

Features:
Choose your risk profile and have an investment Plan built and managed for you

SPECIAL OFFER: Open or transfer an ISA or Pension to Wealthify, and you could earn between £50 to £500 cashback when you invest at least £1,000. Offer registration closes on 20th May, 2024. New customers only. T&Cs apply. Capital at risk

See Deal »

Ethical Plan options. Part of the Aviva group. FSCS protected.

Share Dealing ISAs

Share Dealing ISA
Trade From
£4.99 a month
Using the Investor Essentials Plan
Frequent Trader Rate
Free if regular investing each month
Platform Fees
No transfer or exit fees. From £4.99 using the Investor Essentials Plan

The best things in life are free trades. Open a new ISA and get £100 free trades. Offer ends 30 April. Capital at risk. Terms Apply

 

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.

Share Dealing ISA
Trade From
£60
Features
ADVFN "Best Execution Only Broker 2020"
Platform Fees
From 0.25% pa

SPECIAL OFFER: Win one of ten £1,000 John Lewis vouchers when you open and deposit £1,000 into an AJ Bell SIPP, Stocks and Shares ISA or Stocks and Shares LISA account before 30th April 2024. T&C’s apply

Good to know: Deal from £1.50 and never pay more than £5.00 per online deal. ‘Self Select ISA Provider of the Year’ at the 2020 ADVFN International Financial Awards. Capital at risk.

Share Dealing ISA
Trade From
£11.95
Frequent Trader Rate
£5.95 to £8.95
Platform Fees
From 0.45% pa (Capped at £45 pa for shares)

Good to know: HL are the UK’s No 1 broker. Live prices are free & you get the best price when buying or selling shares for HL customers. 2,500 funds, shares and more. Expert investment ideas. Award winning mobile app. Capital at risk.

Plan Name

Meteor FTSE Quarterly 85 Income Kick Out Plan

Potential Income
Up to 7.16% pa
Term
Up to 9 years
ISA Option

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.

Plan Name

Mariana FTSE 100 Income Kick Out Plan

Potential Income
Up to 6.6%
per year
Term
Up to 10 years
ISA Option

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.

Plan Name

MB UK 6Y Quarterly 80 Conditional Income Plan

Potential Income
Up to 6.55%
per year
Term
Up to 6 years
ISA Option

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.

Plan Name

Meteor FTSE Quarterly 75 Income Kick Out Plan

Potential Income
Up to 6.26%
per year
Term
Up to 9 years
ISA Option

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.

Plan Name

Meteor FTSE Monthly Fixed Income Plan

Annual Income
5.68%
fixed income per year
Term
4 years
ISA Option

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.

Plan Name

Mariana Fixed Income Plan

Annual Income
5.65%
fixed income per year
Term
6 years
ISA Option

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.

Plan Name

Causeway Securities UK 5 Year Fixed Monthly Income Plan

Annual Income
5.55%
fixed income per year
Term
5 years
ISA Option

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.

Plan Name

Arcus 6Y UK Monthly Fixed Income Plan

Annual Income
5.52%
fixed income per year
Term
6 years
ISA Option

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.

Plan Name

MB UK 4Y Monthly Fixed Income Plan Y2 65

Annual Income
5.52%
fixed income per year
Term
Up to 4 years
ISA Option

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.

Plan Name

Walker Crips UK Annual Kick Out Plan

Maximum Potential Return
9.25%
per annum
Term
Up to 7 years
ISA Option

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.

Plan Name

Arcus 5Y UK Defensive Kick Out Plan

Maximum Potential Return
8%
per annum
Term
Up to 5 years
ISA Option

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.

Plan Name

MB UK 5Y Annual Step Down to 85 Kick Out Plan Y2 65

Maximum Potential Return
7.85%
per annum
Term
Up to 5 years
ISA Option

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.

Plan Name

Meteor FTSE Daily 100 Kick Out Plan

Maximum Potential Return
7.6%
per annum
Term
Up to 7 years
ISA Option

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.

Plan Name

Mariana FTSE 100 Defensive Kick Out Plan

Maximum Potential Return
7.5%
per annum
Term
Up to 7 years
ISA Option

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.

Plan Name

Meteor FTSE Annual Step Down to 80 Kick Out Plan

Maximum Potential Return
7.25%
per annum
Term
Up to 5 years
ISA Option

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.

Plan Name

MB UK 5Y Annual 100 Kick Out Plan Y3 65

Maximum Potential Return
9%
per annum
Term
Up to 5 years
ISA Option

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.

Plan Name

Arcus 5Y UK Defensive Step Down Kick Out Plan

Maximum Potential Return
7%
per annum
Term
Up to 5 years
ISA Option

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.

Plan Name

Mariana FTSE 100 Super Defensive Kick Out Plan

Maximum Potential Return
7%
per annum
Term
Up to 7 years
ISA Option

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.

Invest From
Any lump sum or £25 per month
Fund Choice
40,000+ UK and global stocks
Features
Low flat fee structure. Regular investing is free.
ISA Transfers

The best things in life are free trades. Open a new ISA and get £100 free trades. Offer ends 30 April. Capital at risk. Terms Apply

 

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.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£25 per month or £1.50 per deal
Fund Choice
Over 2,000 funds, shares and more across 25 markets
Features
Manage your investments by providing a wealth of investment tools, videos, research and for customers with more than £4,000 in their account free access to Shares magazine.
ISA Transfers

SPECIAL OFFER: Win one of ten £1,000 John Lewis vouchers when you open and deposit £1,000 into an AJ Bell SIPP, Stocks and Shares ISA or Stocks and Shares LISA account before 30th April 2024. T&C’s apply

Why we like it: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2019–2023. Low-cost online dealing from £1.50.  Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£1
Fund Choice
Choose from a range of 36 funds and ETFs and 20 US stocks
Features
Select one of three simple starting options with a range of tracker funds or build your own investment portfolio by customising your investment options
ISA Transfers
Why we like it: Choose from a range of 36 funds and ETFs and 20 US stocks to invest with Moneybox. Earn 3.8% AER Variable on any uninvested cash you hold. There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information. Keep things simple and get started with one of our three starting options: Cautious, Balanced or Adventurous – and customise your investments to align with your values. Open with as little as £1. When investing, your capital is at risk
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£30 per month or £500 single
Fund Choice
With-Profits Fund
Protection Scheme
FSCS
ISA Transfers
Why we like it: You don’t have to make any tricky investment decisions; your money will be invested in Shepherds With Profits Fund, and the bonuses you could receive will depend on the future performance of the fund. To try to achieve higher returns for you, your money is invested in a variety of assets, the majority of which consist of stocks and shares, but also property, bonds and cash. While returns are not guaranteed in stocks and shares investments and the value can go down as well as up, Shepherds apply a process known as ‘smoothing’ that attempts to even out fluctuations in the value and aims to keep a consistent level of bonus payments. Capital at risk.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future. Please note: As with all investing, your capital is at risk you may get back less than you have put in. The value of the ISA will depend on the performance of the investments and any bonuses cannot be guaranteed. Additionally, if investment conditions are poor, we may apply a Market Value Reduction (MVR)
Invest From
£25 through regular savings or £1,000 as a lump sum
Fund Choice
Over 4,000+ funds, plus shares, investment trusts and exchange-traded funds.
Features
Great value service fee. Easy to set up. Online guidance to help with your investment decisions
ISA Transfers
Why we like it: This award-winning ISA has an extensive range of investment options, including thousands of funds and shares, plus a guidance service to help you find investment ideas. There is a low service fee (typically 0.35%), easy online application process and apps to manage your money on the move. Additional charges apply depending on your choice of investments. Plus, everything is backed by Fidelity’s 50 years of investment experience. Boring Money Best Buy ISA 2023
Important information: The value of investments can go down as well as up, so you may get back less than you invest. Eligibility to invest in an ISA and tax treatment depends on personal circumstances and all tax rules may change in the future. Please note that this information is not a personal recommendation in respect of a particular investment. If you are unsure about the suitability of an investment, you should speak to one of Fidelity’s advisers or an authorised financial adviser of your choice.
Invest From
£25 per month or £100 single
Fund Choice
2,500+ funds
Features
Do-it-yourself or Ready-made-portfolios.
ISA Transfers
Why we like it: Hargreaves Lansdown are the UK’s no. 1 investment platform for private investors – kickstart your investing with their award-winning ISA. Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. Capital at risk.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£500 single
Fund Choice
Discretionary Investment Management
Protection Scheme
FSCS
ISA Transfers
Why we like it: Get an intelligent stocks & shares ISA portfolio – Choose a portfolio that’s fully managed by our expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500. Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk. Tax treatment depends on your individual circumstances and may change in the future.
Important information: Investment ISAs are tax-efficient wrappers for long term investments. Charges may apply.  Capital at risk. Tax treatment depends on your individual circumstances and may change in the future. ISA transfer charges may apply, please check with your provider.
Invest From
£1
Investment Type
10 managed portfolios to choose from
Features
Choose your risk profile and have an investment Plan built and managed for you. Ethical Plan options. Part of the Aviva group
ISA Transfers

SPECIAL OFFER: Open or transfer an ISA or Pension to Wealthify, and you could earn between £50 to £500 cashback when you invest at least £1,000. Offer registration closes on 20th May, 2024. New customers only. T&Cs apply. Capital at risk

Why we like it: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple Plans – including Ethical Plans – with different risk levels. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%.
Capital at risk.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
No minimum
Fund Choice
Over 2,500 funds, UK shares, investment trusts and ETFs
or choose Ready Made & Managed Portfolios
Features
Investment search tool makes it easy to browse and filter investments, use free guides and articles if you need any inspiration
ISA Transfers
Why we like it: Pick your own investments or choose a Ready-made Portfolio. Some of the lowest investment ISA account fees available. Tiered service fees of 0.2% or less a year, no set-up fees and share dealing for just £4.95 per trade. You don’t pay anything to open your ISA or buy funds, and share dealing costs just £4.95 per trade. Voted Best ISA Provider at the City of London Wealth Management Awards 2020. Capital at risk.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£10 per month or £100 single
Fund Choice
Unitised With-Profits fund
Protection Scheme
FSCS
ISA Transfers
Why we like it: Invest from only £10 a month, lump sums from just £100 or a combination of both using your tax-free Investment ISA allowance. You can stop, restart, raise or lower your payments or your investments and cash in whenever you want. When you set up a My MoneyBuilder Select (ISA), your money will be invested in a single fund – the Unitised With-Profits fund. A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund. Remember the value of investments can go down as well as up, and you could get back less than you’ve paid in. If you cash in before the end of 5 years there will be a £50 deduction from your cash-in value.
Important information: Investment ISAs are tax-efficient wrappers for long term investments. Capital at risk. Charges may apply.  Tax rules may change in the future and whether particular tax rules benefit you, will depend on your individual circumstances. ISA transfer charges may apply, please check with your provider.
Invest From
No minimum
Fund Choice
Save and invest across investment funds, cash savings, and real assets
Protection Scheme
FSCS
ISA Transfers
Why we like it: Chip is an award-winning wealth management app designed for our generation. The UK’s only app that enables you to invest in unique and iconic real assets, as well as investment funds and savings accounts. Save and invest your way, or use our clever tech to build wealth automatically. Our range of diversified investment funds are managed by some of the world’s biggest asset managers, like BlackRock. Invest in things that matter to you, like Clean Energy and Healthcare Innovation, or explore funds that match a wide range of risk appetites, from Cautious to Adventurous. Or, if you want to build up your cash savings, we work with UK partner banks to bring you free FSCS protected savings accounts with competitive interest rates. Chip does not provide tax advice. Tax treatment depends on individual circumstances and may be subject to change in the future When investing, your capital is at risk
Important information: Investment ISAs are tax-efficient wrappers for long term investments. Charges may apply.  Capital at risk. Tax treatment depends on your individual circumstances and may change in the future. ISA transfer charges may apply, please check with your provider.
Invest From
£1,500
Investment Type
7 managed portfolios to choose from
Features
Choose your risk profile & have it matched to an investment portfolio expertly built and managed
ISA Transfers
Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free. Capital at risk.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£25 lump sum or regular payment
Fund Choice
A wide range of funds, shares, investment trusts and ETFs
Features
Flexible ISA. If you take money from your account, provided you put it back during the same tax year, it won’t count against your annual ISA allowance
ISA Transfers
Why we like it: Multi-award winning ISA with a wide range of investment choices. The Willis Owen ISA is a flexible ISA, which means that if you take money (either as a cash withdrawal or from your income payments) from your account, provided you put it back during the same tax year, replacement of the money won’t count against your annual ISA allowance. Expert insights, guides and tools to help you invest. Low minimum investment of £25, and/or transfer existing ISA’s in. View your portfolio 24/7 on easy to use and secure platform. Tiered annual fees ranging from 0.15% to 0.40%. Capital at risk.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£50
Fund Choice
Over 2,000 funds
Features
Invest in over 2,000 funds plus Exchange Traded Funds, Investment Trusts, UK & International shares and more
ISA Transfers
Why we like it: Voted Best Stockbroker at the Online Money Awards 2023. Low cost investing, with no charge to buy or sell funds. UK based support team available by phone and online.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£2
Fund Choice
Invest in over 6,100+ US, UK & EU stocks & ETFs commission-free
Features
Trusted by 1.5 million people. FSCS protected. Capital at risk. ISA eligibility and tax rules apply. Other charges may apply
ISA Transfers

Sign up to Freetrade and you’ll get a free share worth £10 to £100. T&C’s apply

Why we like it: Commission-free investing: No fees for buying or selling stocks (other charges may apply). Support: Fast and friendly customer support. A wide range of investments: 6,100+ US, UK, and European stocks, ETFs, and investment trusts. Low monthly fees: From £4.99/month. Capital at risk
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.

Cash ISAs

Account
NatWest 1 Year Cash ISA
Interest Rate
4.60%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Terms and Conditions: You must be 16 or over and a UK resident. You must not have subscribed to another cash ISA in the same tax year. Sole accounts only. Rate available until 2nd May 2024 for new customers and 7th May 2024  for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to our ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account prior to the Start Date of the account. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch or via telephone. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other Cash ISA other than a NatWest Help to Buy: ISA. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be decided from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Royal Bank of Scotland 1 Year Cash ISA
Interest Rate
4.60%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Terms and Conditions: You must be 16 or over and a UK resident. You must not have subscribed to another cash ISA in the same tax year. Sole accounts only. Rate available until 24th April 2024 for new customers and 29th April 2024  for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to our ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account prior to the Start Date of the account. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch or via telephone. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other Cash ISA other than a NatWest Help to Buy: ISA. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be decided from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Leeds Building Society 1 Year Cash ISA
Interest Rate
4.60%
Gross/AER
Term
1 Year
Minimum Deposit
£100
Account
Yorkshire Building Society 1 Year e-ISA
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£100
Account
Leeds Building Society 2 Year Cash ISA
Interest Rate
4.35%
Gross/AER
Term
2 Years
Minimum Deposit
£100
Account
NatWest 2 Year Cash ISA
Interest Rate
4.20%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Terms and Conditions: You must be 16 or over and a UK resident. You must not have subscribed to another cash ISA in the same tax year. Sole accounts only. Rate available until 2nd May 2024 for new customers and 7th May 2024  for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to our ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account prior to the Start Date of the account. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch or via telephone. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other Cash ISA other than a NatWest Help to Buy: ISA. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be decided from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Royal Bank of Scotland 2 Year Cash ISA
Interest Rate
4.20%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Terms and Conditions: You must be 16 or over and a UK resident. You must not have subscribed to another cash ISA in the same tax year. Sole accounts only. Rate available until 24th April 2024 for new customers and 29th April 2024  for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to our ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account prior to the Start Date of the account. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch or via telephone. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other Cash ISA other than a NatWest Help to Buy: ISA. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be decided from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Leeds Building Society 3 Year Cash ISA
Interest Rate
4.15%
Gross/AER
Term
3 Years
Minimum Deposit
£100
Account
Plum Cash ISA
Interest Rate
5.17%*
AER
Term
Easy Access
Minimum Deposit
£1
Account
moneybox Cash ISA
Interest Rate
5.16%*
AER
Term
Easy Access
Minimum Deposit
£500
Account
Leeds Building Society Limited Issue Online Easy Access Cash ISA
Interest Rate
4.75%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
Ford Money Flexible Cash ISA
Interest Rate
4.40%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Leeds Building Society E-ISA Instant Access Cash ISA
Interest Rate
2.45%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Plan Name

MB UK 6Y Consolation  Growth Deposit Plan

Potential Return
38%
if FTSE higher, or 18% if lower
Term
6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 3Y Growth Deposit Plan

Potential Return
24.05%
at end of term
Term
3 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 6Y Kick Out 95 Deposit Plan

Potential Return
6.25%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 6Y Step Down Kick Out Deposit Plan

Potential Return
5.75%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return
6.5% pa
(alternative defensive option: 5.85%)
Term
Up to 6 years
ISA Option

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Fixed Annual Interest Deposit Plan

Annual Income
4.45%
fixed income per year
Term
4 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Fixed Monthly Interest Deposit Plan

Annual Income
4.38%
fixed income per year, paid monthly
Term
4 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 3Y Defensive  Growth Deposit Plan

Potential Return
18.75%
at end of term
Term
3 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 2Y Growth Deposit Plan

Potential Return
13.5%
at end of term
Term
2 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Invest From
Any lump sum or £25 per month
Fund Choice
40,000+ UK and global stocks
Features
Low flat fee structure. Regular investing is free.
ISA Transfers

The best things in life are free trades. Open a new ISA and get £100 free trades. Offer ends 30 April. Capital at risk. Terms Apply

 

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.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£500 single
Fund Choice
Discretionary Investment Management
Protection Scheme
FSCS
ISA Transfers
Why we like it: Get an intelligent stocks & shares ISA portfolio – Choose a portfolio that’s fully managed by our expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500. Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk. Tax treatment depends on your individual circumstances and may change in the future.
Important information: Investment ISAs are tax-efficient wrappers for long term investments. Charges may apply.  Capital at risk. Tax treatment depends on your individual circumstances and may change in the future. ISA transfer charges may apply, please check with your provider.
Invest From
£1
Fund Choice
Choose from a range of 36 funds and ETFs and 20 US stocks
Features
Select one of three simple starting options with a range of tracker funds or build your own investment portfolio by customising your investment options
ISA Transfers
Why we like it: Choose from a range of 36 funds and ETFs and 20 US stocks to invest with Moneybox. Earn 3.8% AER Variable on any uninvested cash you hold. There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information. Keep things simple and get started with one of our three starting options: Cautious, Balanced or Adventurous – and customise your investments to align with your values. Open with as little as £1. When investing, your capital is at risk
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£25 per month or £1.50 per deal
Fund Choice
Over 2,000 funds, shares and more across 25 markets
Features
Manage your investments by providing a wealth of investment tools, videos, research and for customers with more than £4,000 in their account free access to Shares magazine.
ISA Transfers

SPECIAL OFFER: Win one of ten £1,000 John Lewis vouchers when you open and deposit £1,000 into an AJ Bell SIPP, Stocks and Shares ISA or Stocks and Shares LISA account before 30th April 2024. T&C’s apply

Why we like it: Invest in over 2,000 funds, shares and more across 25 markets. Invest from £25 per month. Which? Recommended Provider for Investment Platforms 2019–2023. Low-cost online dealing from £1.50.  Open your account in minutes from app or website, manage your portfolio on the move. FSCS protected. Capital at risk
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
£25 per month or £100 single
Fund Choice
2,500+ funds
Features
Do-it-yourself or Ready-made-portfolios.
ISA Transfers
Why we like it: Hargreaves Lansdown are the UK’s no. 1 investment platform for private investors – kickstart your investing with their award-winning ISA. Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. Capital at risk.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.

Top 10 tips for using your ISA 2024/25 allowance 

  1. Remember that you can’t carry your tax-free allowance over from one financial year to the next – so if you’ve got enough cash to hit your limit, stash it in an ISA. The  ISA allowance for the financial year 2024/25, is £20,000.
  2. Always keep an eye on your bonus rate, and be prepared to switch when it ends.
  3. You can only have one type of cash ISA in each financial year, so research your options carefully. Whether you choose a fixed-rate or instant access cash ISA, give some thought to your savings goals beforehand to help you determine what’s right for you.
  4. If you’re completely new to saving, or just need a tax-efficient place to build up an emergency fund, a cash ISA can be a good option. It’s a good way to try your hand at saving without committing yourself to anything long-term.
  5. Make the most of your ISA allowance each tax year and keep up to date with changes in annual limits. Remember that you can’t carry over any unused ISA allowance – so use it before it’s too late.
  6. Having goals can be useful for motivation. Saving for a holiday or other project can be a great way of maintaining focus. An instant access or fixed-rate cash ISA can offer a simple way to save for something specific like a holiday, home improvements, or a new car.
  7. If you know you’re likely to forget to make regular deposits in your ISA, set up a direct debit for whatever amount you can comfortably afford at the beginning of each month and you’ll never miss a payment again.
  8. You should be prepared to invest for the medium to long term with a stocks and shares ISA – for example, for five years or more. If you think you might require access to your cash in the next couple of years, a stocks and shares ISA may not be the right choice for you.
  9. Always remember that share prices can be very variable – especially in the current financial climate – and so if you were to withdraw your investment in the next twelve to eighteen months, you could end up with less money than you started with.
  10. With ISAs of all types, the deals on offer are in constant fluctuation, so shop around to ensure you’re always maximising the interest on your savings.
Individual Savings Accounts (ISAs) are a way of saving and investing without paying any tax on the returns you make.

Launched in the UK in 1999 to encourage more people to save and invest, ISAs allow you to earn interest on your savings without paying tax on it or invest in stocks and shares without being liable for tax on any returns you make.

ISAs were introduced to replace Personal Equity Plans (PEPs). Initially savers had the option of a mini ISA, which allowed investments in either cash or stocks and shares, or a maxi ISA, which combined both elements in one account.

Cash ISAs and stocks and shares ISAs replaced the mini and maxi ISAs in 2008. The current 2023/24 tax year allowance stands at £20,000 which this can be divided between cash and investments in any proportion you wish.

It’s well-known that most of us in the UK aren’t saving enough money – in fact, it’s believed that around 8 million British adults have no savings at all. With the Bank of England base rate at a record low at the time of writing, it’s essential to compare your savings options before you make a decision, to ensure you get the best deal possible.

The primary benefit of ISAs is the tax advantage that allows individuals to profit from savings or shares without paying income or capital gains tax on that return.

The secondary benefit is that you are saving some of your income. Whether you’ve a particular savings goal in mind or you just want to ensure you’ve got an emergency fund tucked away, an ISA can provide a simple way to help achieve this.

For UK residents, ISAs should be your first savings port of call in order to avoid paying tax unnecessarily on your savings or investments.

Different ISAs are designed to meet different needs, so before you choose an ISA provider you should ask yourself a few questions.

1. Instant access cash ISAs

Instant access cash ISAs are very popular as they’re relatively simple and convenient, but consumers should shop around for the best rate as some are more competitive than others. These accounts are useful for being able to access funds in a hurry, but with the return on interest low on instant access accounts, there is an incentive to keep saving and contributing to a more profitable account. Use our services to compare instant access cash ISAs

2. Easy access cash ISAs (also known as notice accounts)

Notice accounts provide a better rate if interest than instant access accounts, but require more notice to withdraw cash –this can range from a few weeks to several months, so check carefully beforehand. Use our services to compare easy access cash ISAs and notice accounts

3. Fixed-rate cash ISAs

Fixed-rate cash ISAs have traditionally been the savings vehicle of choice for those looking to lock cash away for a set period of time in the hope of gaining a better interest rate in return. However, the current combination of a low base rate plus the funding for lending scheme leaving many banks less reliant on income for savers means that these accounts are often no longer a guarantee of high rates. Compare fixed rate cash ISAs and fixed rate cash ISA alternatives using our services.

4. Deposit plan cash ISAs (also known as structured deposits)

As an alternative to traditional cash ISAs, you may want to consider structured deposit plans. This type of account offers the potential for higher returns than those available via fixed-rate cash ISAs, by offering returns linked to an index (usually the FTSE 100). Your returns are based on market performance, but your capital is protected by the FSCS up to a value of £85,000. Use our services to compare structured deposit ISAs.

5. Investment ISAs (also known as stocks and shares ISAs)

stocks and shares ISA allows you to invest money up to a certain amount without paying tax. You can choose from options including income ISAs, growth ISAs, and share dealing ISAs. Use our services to compare investment ISAs.

 

The terms and conditions of ISA often vary slightly depending on which ISA manager you choose, so it’s essential to check things like:

  • The minimum balance requirements
  • Any limits on transfers into the account – some accounts set limits on this
  • Notice periods and penalty fees, if these apply

It’s also important to ask yourself a few questions before you start, such as:

How much of my annual ISA allowance do I want to use?

Each UK resident over 16 has an annual ISA allowance, which is set at the start of each tax year by HMRC. The tax year runs from 6th April each year, and the current ISA allowance from 6th April 2023 is £20,000.

How much tax will I save with an ISA?

Cash ISAs:

The good news is that whatever your tax bracket, you’ll pay 0% tax on any savings held in a cash ISA. People in all tax bands can benefit from this, as you can see below:

  • Savings rate taxpayers usually pay 10% tax on savings interest – with a cash ISA you pay 0%
  • Basic rate taxpayers usually pay 20% tax on savings interest – with a cash ISA you pay 0%
  • Higher rate taxpayers usually pay 40% tax on savings interest – with a cash ISA you pay 0%
  • Additional higher rate taxpayers usually pay 50% tax on savings interest – with a cash ISA you pay 0%
Investment ISAs:

A stocks and shares ISA allows you invest your tax-free allowance while only paying 10% tax on any investment income you make. This can add up to a substantial saving when you consider that, on dividends paid on a non-ISA investment, an additional rate taxpayer would have to part with 42.5% in tax.

The above information gives you a general idea of what you could save – remember that it depends on your individual circumstances and may be subject to change in the future.

What if I need to get to my money out of the ISA quickly?

If this is important to you – for example, if you’re saving for a short-term goal or to build up an emergency fund, rather than for long-term growth – then an instant access or easy access cash ISA may be a good option for you.

Fixed Income Plan Offer

Meteor FTSE Monthly Fixed Income Plan

5.68% fixed income pa

  • Income paid regardless of the FTSE 100 Index performance
  • Monthly payments (0.4733%)
  • Income paid every month for full four year term
  • Available for new ISAs, ISA transfers and direct investments
  • Invest from just £5,000
Our view: If you’re looking for high income, then the knowledge of receiving 5.68% fixed per year, paid monthly, for four years could be appealing. Capital is at risk
Request Brochure »

High Growth Investment Plan

Walker Crips UK Annual Kick Out Plan

Potential Return – 9.25% pa

  • Return paid if the FTSE 100 Index goes up by any amount on an annual observation date
  • Potential early return every year from year 3 onwards
  • 7 year maximum term
  • ISA Option
  • Invest from £10,000
Capital at risk More information »
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. 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. * Details of how the Financial Services Compensation Scheme applies to investment firms can be found at fscs.org.uk.