ISAs

ISAs can be great places to save and invest. Find all our best buy tables, articles and guides to get you started, plus the best rates below.

Best Buy ISAs

Just looking for the highest interest rate or lowest fees? Check out our best buy tables.

About ISAs

We’ve written a lot of content about ISAs! Here’s everything you need to know to get started.

What is an ISA?

An Individual Savings Account, or ISA, is a kind of savings account.

The big benefit is any returns you make, whether interest, capital gains or dividends, will be tax free.

You can save in to different types of ISA, from Cash through to Stocks & Shares.

ISA allowances

There’s a limit to how much you can save in an ISA each year – set at £20,000 of new deposits.

Though that resets each April, meaning you can keep building up how much you hold in these accounts.

Do you need an ISA?

Just because you can get an ISA, it doesn’t mean you should.

Take a look at whether there are alternative ways to save or invest that might better suit you.

ISA transfers

If you’re moving money between different ISAs, it’s vital you don’t just withdraw the cash.

Instead, you need to follow a process known as a transfer.

Editor's Pick
Trading 212 Cash ISA
AER (variable)
5.60%
Minimum
£1
New Trading 212 customers get an increase of 1.1% AER to 5.6% for 3 months
More details ▼
Additional Info

Existing Trading 212 customers get a rate of 4.5%

FSCS Protected?: Yes

Allows transfers in?: Yes

Flexible ISA?: Yes

How many ISAs can I have?

ISA rules used to be quite strict, but recent changes mean there’s a lot more flexibility with most types of ISA.

What is a Lifetime ISA?

There’s one ISA type which can earn you even more, with a 25% bonus added on top – as long as you use it to either buy a home or retire.

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The best rated Cash ISAs

Thousands of customers have left ISA reviews over on our sister site Smart Money People.

Find out which Cash ISAs they rate – and the ones they don’t.

The best rated Stocks & Shares ISAs

There are also lots of Stocks & Shares ISA reviews on Smart Money People.

Find out which what users really think.

More on ISAs

Want to read more? Find all our reviews, round ups and news that cover ISAs

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Trading 212 Cash ISA: Earn 5.62%

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Do you need an ISA in 2025?

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New financial year checklist: 9 tasks BEFORE the new year

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What happens if I overpay into my ISA?

It’s an easy mistake to make if you’ve got several ISAs Every tax year you can pay up to £20,000 …

March 2025’s savings round-up & news

The latest news to help you get the most from your savings account. Here’s my monthly update sharing changes at …

Nutmeg Stocks & Shares ISA review

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Hargreaves Lansdown Stocks & Shares ISA review

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InvestEngine Stocks & Shares ISA review

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