ISA comparison
Save tax-free with an ISA.
Compare ISAs in one place, from Cash ISA rates to Stocks and Shares, Lifetime and Junior ISAs. Every Cash ISA rate in our table is checked on the provider's own site. Below, find out what an ISA is, see which type suits your goal, and check out our free calculators.
Best Cash ISA rates
Checked 6 October 2026. Ranked by rate.
- Chip Smart Cash ISA 4.86% AER
- Plum Plum Cash ISA 4.66% AER
- Vida Savings Double Access ISA Issue 2 4.36% AER
- Charter Savings Bank Easy Access Cash ISA (Issue 82) 4.26% AER
- Post Office Online ISA: Easy Access (Issue 53) 4.25% AER
- Atom bank Easy Access Cash ISA 4.25% AER
- Kent Reliance Easy Access Cash ISA (Issue 2) 4.24% AER
- Ford Money Flexible Cash ISA 4.21% AER
- Tesco Bank Instant Access Cash ISA 4.20% AER
- Leeds Building Society Online Access Cash ISA (Issue 22) 4.16% AER
- Shawbrook Bank 5 years fixed 5.25% AER
- Castle Trust Bank 3 years fixed 5.15% AER
- Castle Trust Bank 5 years fixed 5.12% AER
- Castle Trust Bank 2 years fixed 5.10% AER
- United Trust Bank 5 years fixed 5.10% AER
- West Brom Building Society Fixed to Oct 2029 5.10% AER
- Close Brothers Savings 2 years fixed 5.07% AER
- Kent Reliance 3 years fixed 5.06% AER
- United Trust Bank 3 years fixed 5.05% AER
- Kent Reliance 2 years fixed 5.02% AER
- Gatehouse Bank 1 year fixed 3.75% Profit rate
- Gatehouse Bank 2 years fixed 3.60% Profit rate
- Gatehouse Bank Easy Access Cash ISA 2.60% Profit rate
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What is an ISA?
An ISA, an individual savings account, is a tax-free wrapper for your savings or investments. Open one, and you do not pay Income Tax, Dividend Tax or Capital Gains Tax on anything held inside it.
You get £20,000 of ISA allowance each tax year, split however you like across Cash, Stocks and Shares, Innovative Finance and Lifetime ISAs. There is also a separate Junior ISA for children under 18.
You must be 18 or over to open an adult ISA. Cash ISA savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.
Which ISA is right for me?
General information, not personal advice. Pick what you are saving for, and see which ISA tends to suit it.
- A rainy day or emergency fund Money you might need at short notice. An easy access Cash ISA lets you take it out whenever you need to. Easy access Cash ISA
- Saving for a set date Know what you'll earn in advance. A fixed rate Cash ISA locks in its rate for a set term, from one to five years. Fixed rate Cash ISA
- A first home Saving towards a deposit. A Lifetime ISA adds a 25% government bonus, up to £1,000 a year. Taking money out for anything else before 60 costs a 25% charge. Lifetime ISA
- Growing money over 5 years or more A Stocks and Shares ISA invests instead of saving. Your capital is at risk, and values can fall as well as rise. Stocks & Shares ISA
- A child's future Tax-free saving for a child, start to finish. The money becomes entirely theirs at 18. Junior ISA
- Sharia-compliant saving Islamic Cash ISAs pay an expected profit rate instead of interest, in line with Sharia principles. Halal ISA
The £20,000 Cash ISA limit stays.
The Budget cancelled the planned cut to £12,000 for under-65s. Everyone over 18 keeps the full £20,000 for cash.
Cash ISAs
£20,000
The Cash ISA limit stays £20,000 for everyone over 18. The cut to £12,000 planned for under-65s was cancelled in the Budget on 28 October 2026.
The dashed line marks the £12,000 limit that was planned for under-65s. The Budget cancelled it.
Five ways to save tax-free.
You get £20,000 of ISA allowance each tax year. Split it across these however you like, within the limits.
Cash ISAs
Tax-free interest, protected by the FSCS. Up to £20,000 a year, and the Budget kept it that way.
- Chip 4.86%
- Plum 4.66%
- Vida Savings 4.36%
Stocks and Shares ISAs
Invest in funds and shares with no tax on growth or dividends. Platform fees vary widely, so compare them first.
Compare platform feesLifetime ISAs
Save up to £4,000 a year towards a first home or retirement, and the government adds 25%.
How the bonus worksJunior ISAs
Up to £9,000 a year for a child, tax-free. The money is theirs at 18.
Compare Junior ISAsHalal ISAs
Sharia-compliant Cash ISAs pay an expected profit rate instead of interest. Screened investment options exist too.
Compare halal ISAsHow ISAs work.
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£20,000 a year. That is your total ISA allowance across every type, each tax year.
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Tax-free, always. Interest, dividends and growth inside an ISA are never taxed.
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More than one is fine. You can hold several ISAs of the same type, as long as the total stays within your allowance.
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Transfer, never withdraw. A transfer keeps the tax-free wrapper. Withdrawing the cash yourself and paying it back in does not.
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No cap on cash. All £20,000 can go into Cash ISAs. The planned cut to £12,000 for under-65s was cancelled in the Budget.
Check out our free calculators.
See your numbers in pounds. Work out your interest, or pick another from the list.
The dates that matter.
What changes, and when, for anyone saving into an ISA.
Read the Cash ISA limit guide-
Autumn Budget: Cash ISA cut cancelled
The Chancellor kept the Cash ISA limit at £20,000 for everyone over 18. What the Budget changed for ISAs.
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Regulations expected
The government says it will lay secondary legislation in November 2026 to keep the limit at £20,000. Read the Cash ISA limit guide.
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Last day of the 2026/27 tax year
Your £20,000 allowance resets on 6 April. Unused allowance does not carry over. See the ISA deadline.
We rank by rate.
Never by commission.
Tables are sorted by rate, and we list accounts that pay us nothing next to the ones that can. When a link can earn us a commission it says Ad. The order stays the same either way.
- Rates last checked
- 6 October 2026
- Rules sourced from
- gov.uk, HMRC, FCA
Questions people ask
What is an ISA?
An ISA, an individual savings account, is a tax-free wrapper for your savings or investments. You do not pay Income Tax, Dividend Tax or Capital Gains Tax on anything held inside one.
How much can I put in an ISA?
£20,000 a year across every ISA you hold. The whole £20,000 can go into Cash ISAs, at any age. The cut to £12,000 planned for under-65s was cancelled in the Budget on 28 October 2026.
Can I have more than one ISA?
Yes. Since 6 April 2024 you can pay into more than one Cash ISA, or more than one Stocks and Shares ISA, in the same tax year, within your £20,000 allowance. The Lifetime ISA is the exception, limited to one per tax year.
Is my money safe in a Cash ISA?
Cash ISA savings with a UK-authorised bank, building society or credit union are protected by the FSCS up to £120,000 per person, per banking licence. That limit covers all your savings with that bank together.
Is the Cash ISA limit being cut in April 2027?
No. The government planned to cut it to £12,000 for under-65s, but the Budget on 28 October 2026 cancelled that. The limit stays £20,000, within the overall £20,000 allowance. The Budget documents do not mention the planned 22% charge on cash inside Stocks and Shares ISAs or the transfer block, and press reports say they are not going ahead as planned, so we treat them as unconfirmed.
Can I take money out of an ISA?
Yes, most ISAs let you withdraw at any time, though a fixed rate Cash ISA usually charges a penalty for leaving early. Lifetime ISAs and Junior ISAs have their own rules. If your ISA is flexible, you can pay withdrawn money back in during the same tax year without using extra allowance.
Do I pay tax on ISA interest?
No. Interest, dividends and growth inside any ISA are entirely free of Income Tax, Dividend Tax and Capital Gains Tax.
How do I move my ISA to a better rate?
Ask the new provider to transfer it for you, rather than withdrawing the money yourself. A genuine transfer keeps the tax-free wrapper and does not use up any of this year's allowance.