Make the tax year work harder for you​

Your chance to maximise allowances and invest tax-efficiently before they reset.

 

Don’t miss out

The countdown to the end of the tax year is on.

Why act now?​

Each tax year is a new opportunity to:​

  • maximise your allowances​
  • potentially reduce your tax bill​
  • plan ahead for growth.

Don’t just take our word for it

The best time to save in an ISA was earlier. Why not start for tax year end.

Vanessa made the smart decision to start investing early with an ISA.

See Vanessa's story.

"It’s never too late. I think if I’d started earlier, I’d be in a much better position."

See Russell's story 

Get started with Lloyds

Whether you’re just starting out or an ISA pro, we’re here to help you.

 

Tax year planning in your pocket

All the essentials for saving this tax year, right in the app.

Lower ISA charges

We’ve reduced our admin and dealing costs for our Share Dealing ISA and we’ve recently lowered the ongoing fund charges for our Ready-Made Investment ISA.

Invest your way

Whatever your level of investment experience, we have options to suit. From funds managed by experts to investments chosen by you.

Find your style

 

Pick your own ISA

Invest your way. Now with lower charges, you can save on more than just your tax bill.

Thousands of choices including bonds, gilts, funds and more.

Account admin charge:

  • £18 per 6 months (free for 18 to 25’s).

Investment and transaction charges:

  • £9.50 for live UK trades.  
  • £1.50 for fund trades.

Free international and regular investing - fx rates apply.

Share Dealing ISA
 

Ready-Made ISA

Funds managed for you with some of the lowest ongoing charges on the market, save time and money.

Choice of 3 funds to match your risk approach.

Account admin charge:

  • £3 a month.

Investment and transaction charges:

  • Ongoing fund charges of 0.1%.
  • Fund transaction costs also apply.
Ready-Made Investments

Planning for your retirement?

Pensions are also a great way to save tax-efficiently, whether you want to be hands-on or leave it to the experts, we’ve got you.

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.

Changes to tax and annual allowance

The Autumn budget for 2025 announced a number of changes that may impact your saving approach:

  • Higher income tax on savings. From April 2027, basic rate will be 22%, higher rate 42% and additional rate will be 47%.
  • Cash ISA’s will be capped. From 06 April 2027, the annual allowance will drop to £12,000 for under 65’s.
  • Dividend tax is rising. From 06 April 2026, the basic and higher rate tax will rise by 2%.

The government wants to encourage more people to invest for the long term. Investing in an ISA could help you to take advantage of tax incentives and avoid future restrictions.

More about the budget changes

Tools and support

Needing some more support? Let’s help get you started.

ISAs

Find out about ISAs and get set to save tax efficiently.

Our range of ISAs

Managing your ISA

Have questions about investing in an ISA? We can help.

ISA support

Tax and ISA rules

Learn about the different taxes and how they apply to your investments.

Tax on investments

What is Capital Gains Tax?

Capital Gains Tax (CGT) is a tax you might have to pay  on any profits you make. Find out how CGT works and when it applies.

Learn about CGT

What is dividend tax?

Dividends paid on investments may be subject to tax. Learn about dividend tax and the rates you may have to pay.

More on dividend tax

What is a Stocks and Shares ISA?

Looking for a tax efficient way to invest? Explore your options and learn how Stocks and Shares ISAs work.

Stocks and Shares ISA

Tax efficient investing

Find out how to invest your money in a tax efficient way and make your money work as hard as possible for you.

Invest tax efficiently

Banking online

It's simple and safe in our app or on our website.

 

Mobile banking app

Join our 10 million app users.

  • Simple and secure login.
  • Set up handy notifications.
  • Message us online.

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

Mobile banking app

Join our 10 million app users.

  • Simple and secure login.
  • Set up handy notifications.
  • Message us online.

Continue to app

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

Important legal information

The Lloyds Bank Direct Investments Service is operated by Halifax Share Dealing Limited. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Registered in England and Wales no. 3195646. Halifax Share Dealing Limited is authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Important share dealing information

Smart investing

Whether you’re starting out or a seasoned investor, we’ve got you.

Lloyds investing

Smart investing

Whether you’re starting out or a seasoned investor, we’ve got you.

Lloyds investing