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.

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Compare ISA savings accounts from leading providers

Looking through a range of options gives you more chance of securing a great deal. You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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Leeds-building-society-isa-savings-accounts
paragon-bank-isa-savings-accounts
skipton-building-society-isa-savings-accounts

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.

19 results found, sorted by highest interest rate. How we order our comparisons. Commission earned affects the table's sort order.
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Leeds Building Society Limited Issue 30 Month Fixed Rate ISA (Issue 1)
Account type
Cash ISA
Open with
£1,000
Interest rate
2.75% AER fixed until 02 Feb 2025 on £100+
Protection scheme
FSCS
ISA transfers in
Accepted
Leeds Building Society Limited Issue 30 Month Fixed Rate ISA (Issue 1)
Withdrawals and closure are subject to 180 days loss of interest.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1,0002.75%2.75%2.75%2.75%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1,000
Minimum Age16 years
Minimum Monthly Investment£1
Permanent UK Resident
Hampshire Trust Bank 3 Year ISA Bond (Issue 5)
Account type
Cash ISA
Open with
£1
Interest rate
2.5% AER fixed for 3 years
Protection scheme
FSCS
ISA transfers in
Accepted
Hampshire Trust Bank 3 Year ISA Bond (Issue 5)
Withdrawals are not permitted during term. Closure is permitted during term of the account subject to a charge equivalent to 270 days interest on the amount invested.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£12.5%2.5%2.5%2.5%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1
Minimum Age18 years
Permanent UK Resident
Winner – Moneyfacts High Street Savings Provider of the Year 2022
Skipton 30 Month Fixed Rate Cash ISA Issue 186
Account type
Cash ISA
Open with
£10,000
Interest rate
2.2% AER fixed for 30 months
Protection scheme
FSCS
ISA transfers in
Accepted
Skipton 30 Month Fixed Rate Cash ISA Issue 186
Withdrawals are not permitted during the term. Closure is permitted subject to 180 days loss of interest.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£10,0002.2%2.2%2.2%2.2%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£10,000
Minimum Age16 years
Permanent UK Resident
Leeds Building Society 5 Year Fixed Rate ISA Issue 135
Account type
Cash ISA
Open with
£100
Interest rate
2.15% AER fixed until 01 Aug 2027
Protection scheme
FSCS
ISA transfers in
Accepted
Leeds Building Society 5 Year Fixed Rate ISA Issue 135
Withdrawals are subject to 365 days loss of interest.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1002.15%2.15%2.15%2.15%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£100
Minimum Age16 years
Minimum Monthly Investment£1
Permanent UK Resident
Skipton 5 Year Online Fixed Rate Cash ISA Issue 186
Account type
Cash ISA
Open with
£500
Interest rate
2.1% AER fixed for 5 years
Protection scheme
FSCS
ISA transfers in
Accepted
Skipton 5 Year Online Fixed Rate Cash ISA Issue 186
Interest is paid on the anniversary of account opening and on maturity. Withdrawals not allowed, early closure incurs interest penalty which may mean you get back less than you paid in. Check restrictions on paying in.
Withdrawals are not permitted during the term. Closure is permitted subject to 365 days loss of interest.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£5002.1%2.1%2.1%2.1%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£500
Minimum Age16 years
Permanent UK Resident
Leeds Building Society 3 Year Fixed Rate ISA Issue 121
Account type
Cash ISA
Open with
£100
Interest rate
2.05% AER fixed until 03 Aug 2025
Protection scheme
FSCS
ISA transfers in
Accepted
Leeds Building Society 3 Year Fixed Rate ISA Issue 121
Withdrawals and closure subject to 240 days loss of interest.
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1002.05%2.05%2.05%2.05%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£100
Minimum Age16 years
Minimum Monthly Investment£1
Permanent UK Resident

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.

You can find out more about paying tax on your savings interest here.

ISA FAQs

About our ISA savings and investments comparison

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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: 20 April, 2022