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- Tax Free Savings | Compare Our Best ISA up to 1.5% fixed rate
Compare ISA savings and investments
Compare savings and investment accounts that let you earn tax free returns. Be aware that with investment ISAs you put your capital at risk.
- Compare our top providers
- Pick the best type of account for you
- Our service service is simple, reliable and is at no charge
How to compare ISA savings accounts
1
Decide your savings goals
Decide whether you'd be happy to go for a fixed term or an option giving you instant access to your cash. There could be restrictions on withdrawing money, so be sure about whether you'll need access to your money or are you willing to lock your money away for a set time.
2
Check terms
Have a look through the options to find the best ISA savings accounts as terms can vary between providers. Check any conditions attached to the the account such as the ability to do transfers. Then pick a deal that offers the highest interest ISA savings account that matches your needs.
3
Apply and save
You may be able to get a higher ISA savings account by applying online and some providers only ever operate digitally. Once you've decided on the provider you want, simply fill out an application.
ISA savings account deals
Investment ISAs put your capital at risk, and you may get back less than you originally invested.
Moneybox Cash ISA
More Information
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £500 | 4.45% | 5% | 4.45% | 5% |
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Plum Cash ISA
More Information
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 2.5% | 2.5% | 2.5% | 2.5% |
| £100 | 3.79% | 4.93% | 3.79% | 4.93% |
| Maximum Age | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
Chip Clearbank - Cash ISA
More Information
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 4.49% | 4.49% | 4.58% | 4.58% |
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Hampshire Trust Bank 1 Year Online ISA Fixed Saver (Issue 36)
More Information
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 4.46% | 4.46% | 4.46% | 4.46% |
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Paragon 40 Day Notice ISA (Issue 4)
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| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £500 | 4.4% | 4.4% | 4.4% | 4.4% |
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Aldermore 2 Year Fixed Rate Cash ISA
More Information
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1,000 | 4.38% | 4.38% | 4.38% | 4.38% |
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1,000 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Skipton Step Up ISA Saver Issue 3
More Information
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 3.3% | 3.3% | 3.3% | 3.3% |
| £10,000 | 3.8% | 3.8% | 3.8% | 3.8% |
| £20,000 | 4.35% | 4.35% | 4.35% | 4.35% |
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Saga Cash ISA
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| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 3.72% | 4.22% | 3.79% | 4.3% |
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Marcus by Goldman Sachs Cash ISA
More Information
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 3.72% | 4.22% | 3.79% | 4.3% |
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Paragon 1 Year Fixed Rate ISA
More Information
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £500 | 4.3% | 4.3% | 4.3% | 4.3% |
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Looking for another type of account?
Which ISA should you choose?
Individual Savings Accounts, or ISAs, let you earn money tax free when you save or invest, but there are several different types to choose from.
What are the different types?
There are three main types of ISA:
Cash ISA
It is a tax free savings account that lets you save without any risk to your money from stock market volatility.
You can compare cash ISA interest rates using our table or read our guide for more information on cash ISAs.
Find out how cash ISAs work here
Stocks and shares ISA
It is an account that lets you invest your money in a range of stocks and shares while keeping a tax free status on any returns you make.
Keep in mid that your money is at risk in a stocks and shares ISA, meaning you have the potential to make or lose money depending on how the stock market performs.
Innovative finance ISA
It lets you use your ISA allowance when investing in peer to peer lending. This is a tax free way of growing your money and the returns offered are usually higher than rates offered by cash ISAs.
Innovative finance ISAs are not protected under the FSCS, but some companies use their own protection scheme, so make sure you understand the risk before investing.
How much can you pay in an ISA?
You have an ISA allowance of £20,000 (tax year 2022/23) that you can use between all three ISA types during each tax year (6th April to 5th April).
For example, you could pay £5,000 into a cash ISA, £5,000 into a stocks and shares ISA and pay the remaining £10,000 of your allowance into an innovative finance ISA.
You do not need to spread your allowance between each type of ISA. You can use your entire allowance in any way to try and get the best return.
Are ISAs the best way to earn interest on your savings?
You may be considering an ISA to maximise the interest you earn from your savings, as ISA interest is tax free.
However, using an ISA to save money is no longer the only way to earn interest tax-free.
Through the personal savings allowance, you can earn a specified amount of money each tax year before your earnings are taxed, including your savings interest.
You will only pay tax on savings interest if the amount of interest you earn exceeds your starting rate for savings and your personal savings allowance, and your total income exceeds your personal allowance.
For most savers, the interest you earn will therefore not be taxed. You could save your money in whatever account offered you the best deal without having to worry about paying tax on your earnings.
However, if you're likely to exceed these allowances, then an ISA can still be a great way of maximising the money you earn in interest.
ISA FAQs
How many ISAs can I have?
As many as you want, but you can only pay into one cash, stocks and shares and innovative finance ISA during the same tax year.
Is my money safe in a cash ISA?
Yes, most are backed by the Financial Services Compensation Scheme (FSCS) which protects your money up to £85,000 in a single institution.
Is my money protected in an investment ISA?
Yes, but only if the investment is registered with the FSCS, then your investment will be protected up to £50,000.
How can I track the performance of my investment ISA?
Most let you track the performance online or you could also ask your financial advisor for a valuation if you invested through one.
About our ISA savings and investments comparison
Who do we include in this comparison?
Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from providers regulated by the Financial Conduct Authority (FCA).
Here is more information about how our website works.
How do we make money from our comparison?
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra, and the deal you get is not affected.
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Read MoreWhy compare savings accounts deals with money.co.uk?
Comparing savings accounts could save you money. Our multiple award-winning comparison service makes sure you get the lowest fees and rates possible based on your individual circumstances. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.
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Last updated: 20 April, 2022