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.
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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.
Featured deal
Customer rating
3.9/5
- Switch bonus£240
- Perks8% regular saver
- Monthly fee0
- Offer endsUnknown
- FSCS Protected? Yes
- Bonus requirements To get the £240 switch offer, you need to complete a full switch with the Current Account Switching Service. Then, within 60 days of your initial switch request, you need to set up two active direct debits, deposit £1,500 into the current account, set up a Santander Regular Saver, and deposit £200 into it.
- Regular saver 8% (variable) regular savings account. Includes 5% (variable) bonus for 12 months
- Existing customers? You can't have held a Santander account on 1 January 2026.
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.
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.
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