Compare Live ISA Rates
Explore Cash ISAs, Stocks & Shares ISAs, Junior ISAs, and Lifetime ISAs — with live rates and our free calculator, all in one place.
Written by
Jonny Pease
Reviewed by
Jan Watermann
Updated · 2026/27 tax year
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Penny
Answer a few short questions and Penny will point you towards the ISA type worth exploring — no jargon, no pressure.
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For guidance only — not financial advice. Always read the full terms before applying.
ISA Types
The Main ISA Types, Explained
Each ISA type is designed for a different goal. Here's what you need to know about each one.
Live Rates
Current ISA Rates
Updated from our live feed. Rates shown are AER.
| Provider | Product | Min Balance | |||
|---|---|---|---|---|---|
 eToro Top pick | Cash ISA Flexible ISA | 4.87% Variable | Instant | £500 | |
 Tandem Bank | 2 Year Fixed Rate Cash ISA Flexible ISA | 4.74% Fixed | 2 Years | £1 | |
 Aldermore | 3 Year Fixed Rate Cash ISA Flexible ISA | 4.70% Fixed | 3 Years | £1,000 | |
Find your account to see where your rate ranks | |||||
Tandem Bank | 1 Year Fixed Rate Cash ISA Flexible ISA | 4.67% Fixed | 1 Year | £1 | |
Aldermore | 2 Year Fixed Rate Cash ISA Flexible ISA | 4.66% Fixed | 2 Years | £1,000 | |
 Nottingham Building Society | 5 Year Fixed Rate Cash ISA Non-Flexible ISA | 4.65% Fixed | 5 Years | £1 | |
 OakNorth Bank | 12 Months Fixed Rate Cash ISA Non-Flexible ISA | 4.63% Fixed | Instant | £1 | |
 Coventry Building Society | Fixed Rate ISA Non-Flexible ISA | 4.60% Fixed | 15 Months | £1 | |
OakNorth Bank | 24 Months Fixed Rate Cash ISA Non-Flexible ISA | 4.55% Fixed | Instant | £1 | |
 Tembo Top pick | Fixed Rate Cash ISA Non-Flexible ISA | 4.55% Fixed | 1 Year | £500 | |
 Hargreaves Lansdown | HL Cash ISA Non-Flexible ISA | 4.52% Variable | Instant | £1 | |
 Chip New users only | Smart Cash ISA Flexible | 4.41% Variable | Instant | £1 | |
eToro
Tandem Bank
Aldermore
Tandem Bank
Aldermore
Nottingham Building Society
OakNorth Bank
Coventry Building Society
OakNorth Bank
Tembo
Hargreaves Lansdown
Chip
Showing 12 of 22 results
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At a Glance
ISA Types Compared
Cash ISA | Stocks & Shares ISA | Lifetime ISA (LISA) | Junior ISA (JISA) | Innovative Finance ISA | |
|---|---|---|---|---|---|
| Basics | |||||
| Best for | Safe, tax-free cash savings | Long-term growth, investing | First home or retirement — open age 18–39, contribute to 50, access from 60 | Saving for a child | Experienced P2P investors only |
| 2026/27 allowance | £20,000 | £20,000 | £4,000(within overall limit) | £9,000(separate limit) | £20,000 |
| Age restrictions? | 18+ | 18+ | 18–39 to open | Under 18 only | 18+ |
| Risk & Protection | |||||
| Capital at risk? | — | Yes | —(Cash LISA) | —(Cash JISA) | Yessignificant risk |
| FSCS protected? | Yes(up to £120k) | Yesup to £85,000 (firm failure only — investment losses not covered) | Yes(Cash LISA) | Yes(Cash JISA) | — |
| Access & Bonuses | |||||
| Access restricted? | Depends on type | Generally flexible | Yespenalties apply | Until child turns 18 | Depends on loans |
| Government bonus? | — | — | Yes25% bonus | — | — |
| Watch-outs | |||||
| Key watch-out | Rates can change on variable accounts | You could get back less than invested | Withdrawal penalty outside of qualifying uses — product being replaced by a First-Time Buyer ISA in April 2028 | Cannot access before age 18 | Not for most savers — complex and unprotected |
Cash ISA
- Best for
- Safe, tax-free cash savings
- 2026/27 allowance
- £20,000
- Age restrictions?
- 18+
- Capital at risk?
- —
- FSCS protected?
- Yes(up to £120k)
- Access restricted?
- Depends on type
- Government bonus?
- —
- Key watch-out
- Rates can change on variable accounts
Stocks & Shares ISA
- Best for
- Long-term growth, investing
- 2026/27 allowance
- £20,000
- Age restrictions?
- 18+
- Capital at risk?
- Yes
- FSCS protected?
- Yesup to £85,000 (firm failure only — investment losses not covered)
- Access restricted?
- Generally flexible
- Government bonus?
- —
- Key watch-out
- You could get back less than invested
Lifetime ISA (LISA)
- Best for
- First home or retirement — open age 18–39, contribute to 50, access from 60
- 2026/27 allowance
- £4,000(within overall limit)
- Age restrictions?
- 18–39 to open
- Capital at risk?
- —(Cash LISA)
- FSCS protected?
- Yes(Cash LISA)
- Access restricted?
- Yespenalties apply
- Government bonus?
- Yes25% bonus
- Key watch-out
- Withdrawal penalty outside of qualifying uses — product being replaced by a First-Time Buyer ISA in April 2028
Junior ISA (JISA)
- Best for
- Saving for a child
- 2026/27 allowance
- £9,000(separate limit)
- Age restrictions?
- Under 18 only
- Capital at risk?
- —(Cash JISA)
- FSCS protected?
- Yes(Cash JISA)
- Access restricted?
- Until child turns 18
- Government bonus?
- —
- Key watch-out
- Cannot access before age 18
Innovative Finance ISA
- Best for
- Experienced P2P investors only
- 2026/27 allowance
- £20,000
- Age restrictions?
- 18+
- Capital at risk?
- Yessignificant risk
- FSCS protected?
- —
- Access restricted?
- Depends on loans
- Government bonus?
- —
- Key watch-out
- Not for most savers — complex and unprotected
ISA Guides
ISA Explained — In Under 30 Seconds
What is a Cash ISA?
The ISA Allowance Explained
Flexible vs Non-Flexible ISAs
How ISA Transfers Work
Is Your Cash ISA Safe?
The Future of ISAs
What Is A Stocks & Shares ISA?
What Is A Lifetime ISA?
What Is A Junior ISA?
ISA Guides
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Common Questions