- >
- Savings>
- ISA savings>
- 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 is simple, reliable and is at no charge to you
Investment ISAs put your capital at risk, and you may get back less than you originally invested.
Compare ISA providers
Hargreaves Lansdown Stocks and Shares ISA
More Information
| Annual charges for holding funds (unit trusts and OEICs) including in the Funds & Share account, are applied to each underlying account (excluding JISA and LISA) separately. It is tiered within bands as shown in the table below:- Tiers : Charge £0 - £250,000 0.35% The next £250,000 to £1million 0.25% The next £1million to £2million 0.10% Over £2million 0.00% LISA Tiers : Charge £0 - £1 million 0.25% The next £1million to £2million 0.10% Over £2million 0.00% JISA: Charge Annual charge for holding funds 0% There are also annual charges for holding shares, investment trusts, ETFs, VCTs, gilts and corporate bonds:- Product Wrapper Charge Fund & Share Account 0.35% (Max £150 per annum) ISA 0.35% (Max £150 per annum) SIPP 0.35% (Max £150 per annum) Junior ISA: no charge LISA: 0.25% (Max £45 per annum) This will be charged individually to each wrapper. Charges for holding shares do not apply to shares held in Hargreaves Lansdown plc. |
| Permanent UK Resident | |
| Minimum Initial Deposit | £100 |
| Minimum Monthly Investment | £25 |
| Minimum Lump Sum Stocks & Shares ISA Investment | £100 |
IG Stocks & Shares ISA
.png){kind=logo}
More Information
| No custody fee to pay. You are also automatically exempt from the share dealing custody fee if you invest £15,000 in an IG Smart Portfolio account. |
| Permanent UK Resident | |
| Minimum Initial Deposit | £0 |
| Minimum Monthly Investment | £0 |
| Minimum Lump Sum Stocks & Shares ISA Investment | £0 |
Moneybox Stocks & Shares ISA
More Information
| 0.45% platform fee, £1 monthly fee (waived for first 3 months and those with over £5k across a Cash ISA/Simple Saver), 0.45% currency conversion fee for US stocks trading |
| Permanent UK Resident | |
| Minimum Initial Deposit | £1 |
| Minimum Monthly Investment | £1 |
| Minimum Lump Sum Stocks & Shares ISA Investment | £1 |
Scottish Widows Stocks & Shares ISA
More Information
| No account fees. No trading fees on international shares (FX rates apply). Just £5 per trade for UK Shares, ETFs, Funds, bonds & Gilts. Free investing within a regular investment plan. |
| Permanent UK Resident | |
| Minimum Initial Deposit | £50 |
| Minimum Monthly Investment | £50 |
| Minimum Lump Sum Stocks & Shares ISA Investment | £50 |
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.
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
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.
Yes, most are backed by the Financial Services Compensation Scheme (FSCS) which protects your money up to £85,000 in a single institution.
Yes, but only if the investment is registered with the FSCS, then your investment will be protected up to £50,000.
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
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.
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.
Explore savings guides
Are ISAs still worth it?
Whether you have a cash ISA or are thinking of getting one, you need to know if it's still a good place to invest your money. Here is how to work out if ISAs are worth it for you.
Read more
What's the best place for your money?
Knowing what to do with savings can be difficult, especially with inflation so high. Here is what you can do if you have money to invest.
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.
Awarded by experts. Designed for you.
Since launching in 2008, we’ve been committed to making finance simpler, clearer and more accessible. We’re proud to have received recognition from across the industry for the work we do.
Last updated: 19 March, 2025