ISAs
Find the right ISA for your savings or investing goals with our ISA Finder or explore our guides to learn more about ISAs and tax‑efficient saving.
Save, invest or both?
Learn how savings and investments could work together, helping you reach your financial goals.
Choosing the right ISA will depend on a few things. Some considerations are how long you’ll need to save for to reach your goal and whether you want access to your money during this time. This handy ISA Finder can help you explore which ISA could be right for you.
The results you'll see are for guidance and are not a recommendation or advice.
Tax treatment depends on your individual circumstances and may change.
Cash ISA transfer offer
Earn up to £1,200
Earn £150 for every £25,000 you transfer into a new or existing adult cash ISA with us by 31 May 2026. Transfer £200,000 or more and you’ll pocket £1,200 cashback.
Short-term goals
Cash ISA Saver
Want to save but also have instant access to your money? With this flexible cash ISA, you can do just that.
- Earn up to 1.00% AER/tax-free variable interest. The rate depends on your balance.
- Get started from as little as £1.
- No charges for withdrawals.
Club Lloyds Advantage ISA Saver
An exclusive Club Lloyds product which pays more interest if you make fewer withdrawals.
- Exclusively available for Club Lloyds and Lloyds Premier customers.
- Earn 2.75% AER/2.72% tax-free variable interest if you make 3 or fewer withdrawals in the 12 months after opening.
- Open with as little as £1.
Fixed savings
Clear short-term goals require straight-forward accounts.
1 Year Fixed Rate Cash ISA
With this cash ISA, you can enjoy the peace of mind of a fixed interest rate for one year.
- Earn 4.55% AER/tax-free fixed interest for one year.
Get an extra 0.05% AER/tax‑free if you have a Lloyds Premier current account that has been open for at least 8 days. - Open with £500 or more.
- A fixed interest rate for extra certainty.
- A fee to withdraw early applies. By account closure only or transfer only. Charges apply.
2 Year Fixed Rate Cash ISA
With this cash ISA, you can enjoy the peace of mind of a fixed interest rate for two years.
- Earn 4.65% AER/tax-free fixed interest for two years.
- Open with £500 or more.
- A fixed interest rate for extra certainty.
- A fee to withdraw early applies. By account closure only or transfer only. Charges apply.
Share Dealing ISA
Perfect for choosing your own stocks and shares, funds, ETFs and more.
- Create and control your own portfolio.
- Free regular investing through our scheduled investment service.
- ETF Quicklist and other investment tools to help you get started.
Ready-Made Investments ISA
Exclusive to existing Lloyds online banking customers, Ready-Made Investments are created and managed by experts.
- Built and managed by our investment experts to help maximize growth.
- Pick a level of risk that suits you.
- Get started from just £50 a month, or a £500 lump sum.
Invest Wise ISA
Free investing accounts for 18 to 25 year olds.
- Free account up to age 26.
- Free regular investing through our scheduled investment service.
- ETF Quicklist and other investment tools to help you get started.
Expert advice
Personal financial advice
For customers with £100,000 in sole income or spread across joint savings, investments or personal pensions.
- Free initial consultation. Lloyds Wealth specialist advisers provide you with a free personalised financial plan.
- Ongoing financial advice. Receive regular guidance from an experienced financial adviser.
- Financial security. Advisers help clients build emergency funds, plan for retirement, and protect against unexpected events, enhancing overall financial security.
Fees apply if you take out a product or service.
Investing for longer increases the likelihood of positive returns. Over a period of 5 years or more, investments usually give you a higher return compared to cash savings. But investments can go down as well as up in value, so you could get back less than you put in.
We're stars
Don't just take our word for it. Moneyfacts gave us a 5-star rating for how easy it is to open a savings account with us. And our Sharedealing ISA won a Boring Money award for Value for Money.
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