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 investing offer
Customer rating
3.8/5
- Offerfree £50 in fractional shares*
- Annual fee£0
- Investment stylesShares, funds or ready-made portfolios
- Minimum deposit$50
- FSCS Protected? Yes
- Interest on uninvested cash 3% on balances up to $50,000, 3.8% on balances over this
- Fractional shares Yes
- Foreign exchange fee 0.7%
- Fund fees If you invest in funds, you'll have to pay fund fees, which cost on average ~0.16% per year, with additional market-spread effects up to 0.05%
- Offer You need to sign up, verify your account and deposit at least £200 to get the free assets. ISA deposits aren't included in the £200 requirement to get the offer.
- Authorised and regulated by the Financial Conduct Authority Yes, FRN 583263
- Risk warning The value of your investments may go up or down. Your capital is at risk. ISA powered by Moneyfarm. ISA rules apply. UK residents only.
- Accounts available General investment account, stocks and shares ISA (additional fees apply)
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