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Individual Savings Accounts - ISAs

Keep your money from the taxman by saving in an ISA. You can invest up to £15,000 in a cash ISA, a stocks and shares ISA, or a combination of the two.

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Save an extra £150 when you max your ISA
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ISAs can really boost your saving power

If you use ISAs wisely, you can put away up to £15,000 without having to pay a penny of tax on the interest you earn*
*Tax advantages may be subject to change and will depend on your individual circumstances.

Stocks and Shares ISAs

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You can invest your full ISA allowance of £15,000 in a stocks and shares ISA. Stocks and shares ISAs come in two forms:

Stocks & Shares ISA Direct Providers

Direct ISA products usually track performance of stock markets, like the FTSE 100, or are a basket of investments managed by a provider. Either way, the idea is you don’t need to be actively monitoring things every single day. Remember the capital is not protected so there is still a risk that you may not get back as much as you have paid in.

Compare S&S ISA Direct Providers »

Self-selected fund ISAs

These ISAs give you an empty 'tax wrapper' which you can fill with investments of your choosing. Great if you want to be in control of exactly which investments you make. These can be a higher risk investment and as with Pre-selected ISAs the capital is not protected so there is a higher risk you may not get back as much as you have paid in. These plans tend to be more suited to experienced investors who are willing to take greater risks.

Compare self-select ISAs »

Cash ISAs

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You can put up to £15,000 in a cash ISA and shield your returns from tax.

Instant Access Cash ISAs

Simple accounts, quick access to your money 

Compare Instant Access Cash ISAs »

Save for your children's future

Save up to £4,000 a year with a tax-free junior ISA savings account.

Explore Junior ISAs »
Over 300 products to choose from... from all the major players like:
A Cash ISA (Individual Savings Account) is special type of savings account where you don’t pay tax on the interest you earn.

ISAs were introduced by the government in 1999 to encourage people to save. But, because of the tax benefits, the government sets a limit of how much you are able to stash into an ISA each tax year.

In the 2014-15 tax year for example, the limit is £15,000 per person. This sum can be held entirely in cash, stocks and shares, or any combination of the two.

For the tax year 2015-16, the limit is £15,240.

You can find everything you need to know about ISAs with our dedicated hub page.

A Stocks and Shares ISA (Individual Savings Account) allows you to invest money in the stock market and avoid paying capital gains tax on profits you make from selling your shares. If you are a higher-rate taxpayer there’s tax benefits on any dividends you may receive too.

ISAs were introduced by the government in 1999 to encourage people to save. And because of the tax benefits, the government sets a limit of how much you are able to save into an ISA each tax year.

In the 2014-15 tax year for example, the limit is £15,000 per person. This sum can be held in stocks and shares, cash or any combination of the two.

For the tax year 2015-2016, the limit is £15,240.

You can find everything you need to know about ISAs with our dedicated hub page.

†Saving based on interest paid on the market leading product vs. average rate on offer in the UK; and based upon using the full 2011-2012 Cash ISA allowance of £5,340.