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
Answer 6 quick questions to find a good place to start
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 | Actions | ||
|---|---|---|---|---|---|
 Close Brothers Savings | Non-Flexible ISA | 5.12% Fixed | 5 Years | £10,000 | |
Close Brothers Savings | Non-Flexible ISA | 5.11% Fixed | 3 Years | £10,000 | |
 Tandem Bank | Flexible ISA | 5.11% Fixed | 5 Years | £1 | |
Find your account to see where your rate ranks | |||||
 Vida Savings | Flexible ISA | 5.11% Fixed | 5 Years | £1,000 | |
Close Brothers Savings | Non-Flexible ISA | 5.05% Fixed | 2 Years | £10,000 | |
Vida Savings | Flexible ISA | 5.05% Fixed | 3 Years | £1,000 | |
Tandem Bank | Flexible ISA | 5.04% Fixed | 3 Years | £1 | |
Tandem Bank | Flexible ISA | 5.03% Fixed | 2 Years | £1 | |
 Aldermore | Flexible ISA | 5.03% Fixed | 3 Years | £1,000 | |
Vida Savings | Flexible ISA | 5.02% Fixed | 2 Years | £1,000 | |
 Kent Reliance | Flexible ISA | 4.97% Fixed | 3 Years | £1,000 | |
 Charter Savings Bank | Non-Flexible ISA | 4.96% Fixed | 3 Years | £5,000 | |
Close Brothers Savings
Close Brothers Savings
Tandem Bank
Vida Savings
Close Brothers Savings
Vida Savings
Tandem Bank
Tandem Bank
Aldermore
Vida Savings
Kent Reliance
Charter Savings Bank
Showing 12 of 53 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? | Yesdeposits up to £120,000 | Yesif the platform fails: investments up to £85,000 (investment limit), uninvested cash up to £120,000. Market losses not covered | YesCash LISA deposits up to £120,000 | YesCash JISA deposits up to £120,000 | — |
| 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?
- Yesdeposits up to £120,000
- 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?
- Yesif the platform fails: investments up to £85,000 (investment limit), uninvested cash up to £120,000. Market 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?
- YesCash LISA deposits up to £120,000
- 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?
- YesCash JISA deposits up to £120,000
- 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
Read Before You Decide
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eToro Cash ISA Review: 4.87% AER
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Lifetime ISA Transfers: Why the Best Rates Take the Least
When it comes to LISAs, if you're moving existing money, the advertised rate may not be yours.
The Best UK Savings Rates for August 2026
August 2026's best UK savings rates: 8% regular savers, 5% fixed bonds, top easy access and cash ISAs.
Common Questions
ISA Questions, Answered
DepositScout is a comparison service, not a bank or financial adviser. Everything on this page is for general guidance only and does not constitute personal financial advice.
Most Cash ISAs are deposit accounts — your capital is not at risk and it is protected up to the FSCS deposit limit per eligible person, per banking licence. A few, such as eToro's, hold your money in a fund and are covered by the £85,000 investment limit instead. Stocks and Shares ISAs involve investment — capital is at risk and you may get back less than you put in. The FSCS does not protect against investment losses.
ISA rules and allowances are set by the UK government and may change. Always check the latest rules before opening an account.
GOV.UK — Official ISA guidance