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Best ISAs

ISAs shelter interest and investment growth from UK tax. The £20,000 annual allowance can be split across Cash, Stocks & Shares, Lifetime and Innovative Finance ISAs.

What to compare

  • Which ISA type suits your time horizon
  • Platform and fund charges for Stocks & Shares ISAs
  • Flexible ISA rules if you may need to withdraw and replace money
  • Lifetime ISA bonus rules and withdrawal penalties
  • Transfer process — always transfer, never withdraw and re-deposit

Providers in this comparison

11 of 11 providers shown

Moneybox

Cash ISA

Non-flexible Cash ISA with conditions for its higher interest rate.

Annual charges
None
Access
Access subject to rate conditions

Shawbrook Bank

1 Year Fixed Rate Cash ISA

Fixed-rate Cash ISA that accepts transfers from other providers.

Annual charges
None
Access
1 year fixed

Vanguard Investor UK

Stocks & Shares ISA

Vanguard funds and ETFs with account charges that depend on service and invested balance.

Annual charges
Self-managed: £4/month below £32,000; otherwise 0.15% (cap £375/year), plus fund costs
Access
5+ years recommended

Hargreaves Lansdown

Stocks & Shares ISA

Investment platform with tiered account charges and separate dealing costs.

Annual charges
Funds: tiered from 0.35% a year; investment and dealing costs additional
Access
5+ years recommended

AJ Bell

Lifetime ISA

Invested Lifetime ISA with the 25% government bonus.

Annual charges
0.25% account charge; share cap £3.50/month; dealing and investment costs extra
Access
Until first home or age 60

Nationwide Building Society

Junior ISA — not offered

Not available: Nationwide does not offer Junior ISAs.

Annual charges
Not applicable
Access
Not offered

Coventry Building Society

Flexible Cash ISA

Flexible cash ISA from a large member-owned society.

Annual charges
None
Access
Easy access

Yorkshire Building Society

Cash ISA

Cash ISA range with branch and online servicing.

Annual charges
None
Access
Easy access

Fidelity International

Stocks & Shares ISA

Broad investment ISA with funds, shares and guidance tools.

Annual charges
Typical platform charge
Access
5+ years recommended

Skipton Building Society

Cash Lifetime ISA

Cash Lifetime ISA with the 25% government bonus.

Annual charges
None
Access
First home or age 60

Fidelity International

Stocks and Shares ISA

Investment platform offering a Stocks and Shares ISA and broad fund choice.

Annual charges
Platform charges apply
Access
Long-term investing

Your side-by-side comparison

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Examples are educational, not personalised recommendations or live quotes. Confirm eligibility, current rates and fees directly with each provider.