UK ISA Comparison
Individual Savings Accounts (ISAs) let you save or invest up to £20,000 in the current tax year (2025/26) without paying tax on interest or investment growth. From April 2027, the cash ISA limit for under-65s is expected to fall to £12,000.
Four main types: Cash ISA (Easy Access & Fixed Rate), Stocks & Shares ISA, Lifetime ISA (Cash & S&S, for first-time buyers or retirement), and Innovative Finance ISA. This page compares top UK providers — rates and terms change; always check with the provider before opening.
Compare providers
Trading 212
Visit provider →Rate drops after year 1
Moneybox
Visit provider →Strict withdrawal conditions
Chip
Visit provider →Rate drops significantly after intro
Atom Bank
Visit provider →No intro gimmicks, digital-only
Cynergy Bank
Visit provider →Straightforward, no conditions
Tembo
Visit provider →Includes fee-free mortgage advice
Plum
Visit provider →Budgeting tools included
Last updated: February 2026. Rates and terms are indicative — verify with the provider. No affiliate links; comparison is independent.
ISA projection tool
Compare projected returns for Cash vs Stocks & Shares ISA. Assumes rates stay constant — for illustration only.
Tax band (for PSA comparison)
Cash ISA
£19,606
Interest: £2,606 · Tax-free
Stocks & Shares ISA
£21,490
Growth: £4,490 · Tax-free
Personal Savings Allowance: Basic rate taxpayers can earn £1,000 interest tax-free outside an ISA; higher rate £500. Above that, an ISA wrapper saves tax — equivalent taxable interest for the same take-home would be £3,257 (cash) and £5,613 (S&S) at your tax band.
Key information
ISA allowance
£20,000 total across all ISA types in the current tax year. From April 2027, the cash ISA limit for under-65s is expected to fall to £12,000.
FSCS protection
Cash: up to £120,000 per institution (or £85k for some schemes). Investments: up to £85,000. Check your provider for details.
Flexible ISAs
With a flexible ISA, you can withdraw and replace money in the same tax year without it counting again towards your allowance — check your provider’s terms.
Transferring ISAs
Always transfer via your new provider so the money stays inside the ISA. Transferring to a bank account and re-depositing uses up allowance.
Tax year deadline
Use your allowance by 5 April 2026 for the current tax year. Unused allowance cannot be carried forward.
Which ISA is right for me?
Answer a few questions to get a steer (not advice).
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Important
This comparison is for information only and does not constitute financial advice. Rates, terms and eligibility change frequently — always confirm with the provider before opening an account. No affiliate links are used; we do not receive payment for featuring any provider.
Tax treatment depends on your circumstances. ISA eligibility and allowances are subject to HMRC rules. Investments can go down as well as up.