<ISA savings

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
SkiptonMoneyboxLeeds Building SocietyParagonTemboMarcus by Goldman SachsAldermoreMoneyfarmHargreaves Lansdown Active SavingsChipSkiptonMoneyboxLeeds Building SocietyParagonTemboMarcus by Goldman SachsAldermoreMoneyfarmHargreaves Lansdown Active SavingsChip

Investment ISAs put your capital at risk, and you may get back less than you originally invested.

Compare ISA providers

6 results found, sorted by partner products.We always order products with our partners first and we may receive a small commission if you click on the deal and then purchase it. Find out how we order our comparisons.
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Winner of ‘Best ISA Provider of the Year’ at the Wealth & Asset Management Awards, 2025

Wesleyan With Profits Stocks and Shares ISA

Minimum initial deposit
£1,000
Minimum monthly investment
£50
You can invest in
1 fund
Investment type
Investment fund
Open your ISA today to become a Wesleyan member and benefit from member benefits such as a £25 annual retailer e-giftcard and 20% off any insurance policy found via Wesleyan Financial Services. T&Cs to both offers apply, see Wesleyan.co.uk/rewards.
Capital at risk.
More Information
Fee details
An Annual Management Charge (AMC) of 1.2% applies. This charge is collected automatically from your ISA.
Eligibility
Permanent UK Resident
Minimum Initial Deposit£1,000
Minimum Monthly Investment£50
Minimum Lump Sum Stocks & Shares ISA Investment£1,000

Hargreaves Lansdown Stocks and Shares ISA

Minimum initial deposit
£100
Minimum monthly investment
£25
You can invest in
Over 3,000 funds
Investment type
Self select
Register to enjoy £100 - £3,000 cashback when you open or transfer to the HL Stocks and Shares ISA. Minimum £10,000 contribution or transfer. You’ll need to keep the qualifying amount in your account until 31 March 2026. Cashback will be paid in April 2026. All offers end 5 April. Terms apply.
Capital at risk.
More Information
Fee details
Annual charges for holding funds (unit trusts and OEICs) 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 0.45% 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 no charge Junior ISA: no charge ISA 0.45% (Max £45 per annum) LISA: 0.25% (Max £45 per annum) SIPP 0.45% (Max £200 per annum) This will be charged individually to each wrapper. Charges for holding shares do not apply to shares held in Hargreaves Lansdown plc.
Eligibility
Permanent UK Resident
Minimum Initial Deposit£100
Minimum Monthly Investment£25
Minimum Lump Sum Stocks & Shares ISA Investment£100
0% commission, 4.5% interest on uninvested GBP funds

XTB Flexible Stocks and Shares ISA

Minimum initial deposit
£10
Minimum monthly investment
£0
You can invest in
Over 4,500 funds
Investment type
Self select
Your capital is at risk. The value of your investments may go up or down. Tax treatment depends on your individual circumstances and ISA regulations which may change. T&Cs apply. 0% commission fees for monthly turnover up to 100,000 EUR (equivalent). Thereafter 0.2% with a minimum of £10
More Information
Fee details
No fees to open a Stocks & Shares ISA, and no annual ISA charges (plus no custody fee). No commission fees for monthly turnover up to €100,000 equivalent. Thereafter 0.2% with a minimum of £10
Eligibility
Permanent UK Resident
Minimum Initial Deposit£10
Minimum Monthly Investment£0
Minimum Lump Sum Stocks & Shares ISA Investment£10
The ultimate Stocks & Shares ISA on Lightyear! Open your account with no hidden fees.

Lightyear Stocks & Shares ISA

Minimum initial deposit
£1
Minimum monthly investment
£0
You can invest in
Over 200 funds
Investment type
Self select
Lightyear is 10x cheaper than the average market provider, over 10 years (according to independent research brand Capital Economics).
Capital at risk. ISA rules apply. The value of investments can go down as well as up. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority (FRN 987226)
More Information
Fee details
No subscription fee, no custody fee, no withdrawal fee - no surprises! Lightyear charges no execution fees for ETFs (fund manager fees may apply) and for shares they charge £/€/$ 1 (min $0.10 per US shares). Conversion fee is 0.35%.
Eligibility
Permanent UK Resident
Minimum Initial Deposit£1
Minimum Monthly Investment£0
Minimum Lump Sum Stocks & Shares ISA Investment£1
Which? Recommended Provider for Stocks & Shares ISA, 2025

AJ Bell Stocks and Shares ISA

Minimum initial deposit
£250
Minimum monthly investment
£25
You can invest in
Over 2,000 funds
Investment type
Self select
The only Which? recommended provider of ISAs, seven years running. Invest in over 2,000 funds, plus shares, ETFs, investment trusts and more
ISA rules apply. Capital at risk.
More Information
Fee details
There is no ISA level annual fee.
Eligibility
Permanent UK Resident
Minimum Initial Deposit£250
Minimum Monthly Investment£25
Minimum Lump Sum Stocks & Shares ISA Investment£250
Up to a £45 welcome gift

Scottish Friendly My Choice (ISA)

Minimum initial deposit
£100
Minimum monthly investment
£20
You can invest in
13 funds
Investment type
Investment fund
Stay in control, increase, decrease or pause your premiums when it suits you. Invest from just £20 p/m. Get up to a £45 welcome gift. Award winning provider with over 160 years experience. UK based contact centre.
T&Cs & tax rules apply. Capital at Risk.
More Information
Fee details
Our tiered approach means you’ll pay 1.5% on the first £5,000, 1% on amounts between £5,001 and £20,000, and 0.5% on any amount over £20,000. As your fund value grows, your overall percentage charge will decrease, giving you lower fees the more you invest. This fee is calculated daily and deducted on a monthly basis and will appear as an Annual Management Charge.
Eligibility
Permanent UK Resident
Minimum Initial Deposit£100
Minimum Monthly Investment£20
Minimum Lump Sum Stocks & Shares ISA Investment£100
43 results found, sorted by partner products. We always order products with our partners first and we may receive a small commission if you click on the deal and then purchase it. Find out how we order our comparisons.
Which? Recommended Provider Savings Accounts November 2024.

Moneybox Cash ISA

Term
Easy access
Open with
£500
Interest rate
5.46% AER variable inc. 1.51% fixed bonus for 3 months
Protection scheme
FSCS
ISA transfers in
Accepted
Rate drops to 4.20% after first 3 months. Subject to T&Cs. A lower interest rate of 0.75% AER (variable) applies whenever your account balance is less than £500. It also applies for the rest of your current 12-month period from your fourth withdrawal. The number of withdrawals permitted will reset on the anniversary of the account opening date
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£5003.95%5.46%3.95%5.46%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£500
Minimum Age18 years
Minimum Monthly Investment£1
Permanent UK Resident

Moneyfarm Cash ISA

Term
Easy access
Open with
£500
Interest rate
4.84% AER variable inc. 0.7% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
No notice, penalty or charge is made for withdrawals however only 3 withdrawals are permitted each calendar year. After the 4th. the rate drops to 3.94% AER
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£5004.14%4.84%4.14%4.84%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£500
Minimum Age18 years
Permanent UK Resident
Best underlying interest rate - no introductory bonus or withdrawal penalties

Tembo Easy Access Cash ISA

Term
Easy access
Open with
£1
Interest rate
4.8% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
No introductory rates or withdrawal penalty charges apply. Tembo savings account holders get free access to the award-winning Tembo mortgage advice service, saving up to £749 fee – subject to holding a minimum balance for 3 months prior to home purchase or remortgage.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£14.689%4.689%4.8%4.8%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1
Minimum Age18 years
Permanent UK Resident

Aldermore Reward ISA Single Access Account Issue 2

Term
Easy access
Open with
£100
Interest rate
4.2% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
If 2 or more withdrawals are made then the bonus reduces for the rest of the anniversary year and will reset on the anniversary of account opening.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1002.9%4.2%2.9%4.2%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£100
Minimum Age18 years
Permanent UK Resident

Aldermore Reward ISA Double Access (Issue 2)

Term
Easy access
Open with
£100
Interest rate
4.15% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
If 3 or more withdrawals are made then the bonus reduces for the rest of the anniversary year and will reset on the anniversary of account opening.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1002.9%4.15%2.9%4.15%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£100
Minimum Age18 years
Permanent UK Resident

Skipton Quadruple Access Cash ISA Saver Issue 2

Term
Easy access
Open with
£1
Interest rate
4.02% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
Up to four withdrawals are allowed each calendar year, without notice or penalty after which no further withdrawals are permitted until the next year. If the customer needs to make a further withdrawal within the same year they can do so by closing the account.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£14.02%4.02%4.02%4.02%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1
Minimum Age16 years
Minimum Monthly Investment£1
Permanent UK Resident

Saga Cash ISA

Term
Easy access
Open with
£1
Interest rate
4.01% AER variable
Protection scheme
FSCS
ISA transfers in
Not accepted
No notice, penalty, or charge applies.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£13.44%3.94%3.5%4.01%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1
Minimum Age18 years
Minimum Monthly Investment£1
Permanent UK Resident

Paragon Triple Access ISA (Issue 16)

Term
Easy access
Open with
£1
Interest rate
3.75% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
If more than 3 withdrawals are made in a 12 month period, the rate payable will drop from the date of the 4th withdrawal, with the 12 month period resetting on the anniversary of the account opening date.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£11.25%3.75%1.25%3.75%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1
Minimum Age18 years
Minimum Monthly Investment£1
Permanent UK Resident

Moneybox Open Access Cash ISA

Term
Instant access
Open with
£500
Interest rate
4.6% AER variable inc. 0.85% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
Rate drops to 4% after first 12 months. subject to T&Cs. A lower interest rate of 0.75% AER (variable) applies whenever your account balance is less than £500.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£5003.75%4.6%3.75%4.6%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£500
Minimum Age18 years
Minimum Monthly Investment£1
Permanent UK Resident

Hargreaves Lansdown Active Savings Atom Bank - Easy Access ISA

Term
Instant access
Open with
£1
Interest rate
4.4% AER variable
Protection scheme
FSCS
ISA transfers in
Not accepted
No notice, penalty, or charge applies.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£14.31%4.31%4.4%4.4%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1
Minimum Age18 years
Minimum Monthly Investment£1
Permanent UK Resident

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.

Find out how innovative finance ISAs work here

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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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.

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Why 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: 19 March, 2025