Skip to content

ISA comparison

Save tax-free with an ISA.

Compare Cash ISA rates and Stocks and Shares, Lifetime and Junior ISAs, all in one place. Every Cash ISA rate in our live 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.

Compare ISA rates The 2027 changes

Today's best Cash ISA rates

Checked 29 September 2026. Ranked by rate.

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 bank.

A person holding a glass umbrella over a green piggy bank and a stack of coins

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.

From 6 April 2027

The Cash ISA limit falls to £12,000.

From 6 April 2027, under-65s can put £12,000 a year into Cash ISAs. The other £8,000 can only be invested.

Check your numbers
Your £20,000 yearly ISA allowance

Cash ISAs

£20,000 £12,000

Invested

£8,000

From 6 April 2027, under-65s can put up to £12,000 of their £20,000 allowance into Cash ISAs. The other £8,000 can only go into Stocks and Shares or other non-cash ISAs.

Until 5 April 2027, all of it can go into cash. 65 or over by 5 April? You keep the full £20,000 for cash.

189 days to go

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 ISA

Cash ISAs

Tax-free interest, protected by the FSCS. Up to £20,000 this tax year, then £12,000 from April 2027 if you are under 65.

  1. Chip 4.50%
  2. Charter Savings Bank 4.26%
  3. Post Office 4.25%
Compare Cash ISAs Stocks & Shares ISA

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 fees Lifetime ISA

Lifetime ISAs

Save up to £4,000 a year towards a first home or retirement, and the government adds 25%.

How the bonus works Junior ISA

Junior ISAs

Up to £9,000 a year for a child, tax-free. The money is theirs at 18.

Compare Junior ISAs Halal ISA

Halal ISAs

Sharia-compliant Cash ISAs pay an expected profit rate instead of interest. Screened investment options exist too.

Compare halal ISAs

How ISAs work.

Check out our free calculators.

See your numbers in pounds. Try the 2027 Cash ISA limit one here, or pick another from the list.

Will you be 65 or over by 5 April 2028?

What moves from 2027/28

Your 2027/28 Cash ISA limit

£12,000

Needs to go elsewhere

£3,000

Out of £15,000 a year.

Open the full cap calculator

The dates that matter.

What changes, and when, for anyone saving into an ISA.

Read the full 2027 guide

  1. Autumn Budget

    The first Budget from Chancellor John Healey. We will update every page the same day if the April 2027 plan changes.

  2. Last day of the 2026/27 tax year

    The last chance for under-65s to put a full £20,000 into Cash ISAs in a single year.

  3. Cash ISAs capped at £12,000 for under-65s

    Transfers from Stocks and Shares ISAs into Cash ISAs stop for under-65s. Interest on cash held inside Stocks and Shares ISAs faces a new 22% charge.

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 do. When a link earns us a commission it says Ad. The order stays the same either way.

Rates last checked
29 September 2026
Rules sourced from
gov.uk, HMRC, FCA
How we rank rates

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. From 6 April 2027, at most £12,000 of that can go into a Cash ISA if you are under 65.

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.

What happens to ISAs in April 2027?

From 6 April 2027, under-65s can put at most £12,000 a year into a Cash ISA, down from £20,000. The rest of the allowance still exists, but it can only go into a Stocks and Shares, Innovative Finance or Lifetime ISA.

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.