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.

Short-term goals

Cash ISAs are a smart choice for short-term goals. They offer reliable interest rates, making them great for building an emergency fund, saving for a holiday or buying a car. Plus helping your money stay safe and easily accessible.

Cash ISAs

Medium to long-term goals

Investment ISAs also known as stocks and shares ISAs, can grow more over time, ideal for medium to long-term goals. Such as saving for a house deposit, funding children’s education or growing wealth for long-term financial security.

Investment ISAs

Should I save or invest?

Learn how savings and investments could work together, helping you reach your financial goals.

Save or invest?

Try the ISA Finder

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. 

When do you want the money for your goal?

Up to a year.
For example, a holiday, a big purchase, or just building an emergency fund.

Between 1 and 4 years.
For example, house renovations, a wedding, a new car or other considerable purchase.

Over 5 years.
For example, buying a home, your child’s future or saving for later life.

No set goal.
Just being savings savvy. Building a general savings pot or saving as and when for future opportunities.

Do you want the option to take your money out at any time?

Using your answers, these Cash ISAs could be right for you.

 

This is designed for guidance, to help you think about savings and investing.
Keep in mind that this isn’t financial advice.

Cash ISA Saver

Want to save but also have instant access to your money? With this flexible cash ISA, you can do just that.

Cash ISA Saver

Club Lloyds Advantage ISA Saver

Earn more interest if you make fewer withdrawals with a cash ISA for Club Lloyds customers.

Club Lloyds Advantage ISA

See all our ISA savings accounts

Check out all our ISA accounts in one place.

See our ISAs

Why these accounts may suit you

If you want to keep access to your funds, choosing an instant access account could be the right option for you. Interest earned on savings won't be taxed.

Why these accounts may suit you

With a savings goal of 1 to 4 years, you have more account options to choose from but these options are reduced when you want to keep instant access to the funds.

It is important to have savings you can access before you choose other options so even when saving for a longer term, the flexibility of instant access accounts may still be the right choice for you personally.


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Using your answers, these ISAs could be right for you.

This is designed for guidance, to help you think about savings and investing. Keep in mind that this isn’t financial advice.

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.

1 Year Fixed Rate Cash ISA

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.

2 Year Fixed Rate Cash ISA

See all our ISA savings accounts

Check out all our ISA accounts in one place.

See our ISAs

Why these accounts may suit you

You told us your savings goal is 1 to 4 years and you want access with security.

These Fixed-Rate Cash ISAs could be suitable as you'll see a higher interest rate, which won't be taxed. They have less access than an Instant Cash ISA but don't have the risks associated with investments.

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See a selection from our range of ISAs to learn more.

This is designed for guidance, to help you think about savings and investing. Keep in mind that this isn’t financial advice.

Cash ISA Saver

Want to save but also have instant access to your money? With this flexible cash ISA, you can do just that.

Cash ISA Saver

Club Lloyds Advantage ISA Saver

Earn more interest if you make fewer withdrawals with a cash ISA for Club Lloyds customers.

Club Lloyds Advantage ISA

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.

1 Year Fixed Rate Cash ISA

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.

2 Year Fixed Rate Cash ISA

Why these accounts may suit you

One of these accounts may suit you if you're not sure whether you'll want access to your funds over the time that you're saving. The flexibility of being able to take your cash without an interest penalty could be more important than higher rates of interest often associated with Fixed-Rate ISAs. You won't be taxed on interest earned. Here are some considerations.

  • Instant Cash ISAs, such as the Cash ISA Saver or the Club Lloyds Advantage ISA Saver don't have charges for taking your money out.
  • You can’t withdraw from a Fixed Rate ISA but you can close the account early. If you close your account or transfer money to another ISA from a 1 Year Fixed Rate ISA, you’ll lose 90 days’ tax-free interest. This is 180 days for a 2 Year Fixed rate ISA. You could get back less than you originally deposited. 

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Investing for at least a few years increases the chance of positive returns. Would you be open to investing, knowing the value can go down as well as up?

These Investment ISAs may suit you based on your answers.
We also have others in our wider range you could consider.

This is designed for guidance, to help you think about savings and investing. Keep in mind that this isn’t financial advice.

Ready‑Made Investment ISA

Experts build and manage a diversified portfolio for you.

Ready‑Made Investment ISA

Share Dealing ISA

Choose from a wide range of investments with tools and insights.

Explore the Share Dealing ISA

Aged between 18 and 25?

If you’re aged 18–25, check out our Invest Wise ISA with no account fee until you turn 26.

Invest Wise ISA

Still not sure?

People have different attitudes to making financial decisions. Deciding how to save is sometimes difficult when we don't know what the future holds.
We can't give you advice on what to do but we all know it's better to save if you can. 

Do something today to improve your financial future.

Explore Investment ISAs

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Do you want to be able to take your money out at any time without losing interest?

Using your answers, these Cash ISAs could be right for you.

 

This is designed for guidance, to help you think about savings and investing.
Keep in mind that this isn’t financial advice.

Cash ISA Saver

Want to save but also have instant access to your money? With this flexible cash ISA, you can do just that.

Cash ISA Saver

Club Lloyds Advantage ISA Saver

Earn more interest if you make fewer withdrawals with a cash ISA for Club Lloyds customers.

Club Lloyds Advantage ISA

See all our ISA savings accounts

Check out all our ISA accounts in one place.

See our ISAs

Why these accounts may suit you

You've been clear that you want instant access to your money, without the risk associated with investing or an interest penalty often seen when taking funds from a Fixed rate ISA.

To be certain about your choices you can also check out our ISA range for non-investors.

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Using your answers, these ISAs could be right for you.

This is designed for guidance, to help you think about savings and investing. Keep in mind that this isn’t financial advice.

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.

1 Year Fixed Rate Cash ISA

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.

2 Year Fixed Rate Cash ISA

See all our ISA savings accounts

Check out all our ISA accounts in one place.

See our ISAs

Why these accounts may suit you

You've been clear that you want don't want an account with the risk associated with investing but are not expecting to want access to your money so you could earn more with a fixed rate.

You can’t withdraw from a Fixed Rate ISA but you can close the account early if needed.

It's important to know that if you close or transfer money to another ISA from a 1 Year Fixed Rate ISA, you’ll lose 90 days’ tax-free interest. This is 180 days for a 2 Year Fixed rate ISA. You could get back less than you originally deposited. 

 

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Based on the answers to your questions, here are some of our ISAs to help you reach your savings goals

 

This is designed for guidance, to help you think about savings and investing. Keep in mind that this isn’t financial advice.

Cash ISAs

  • Lower risk.
  • Fixed interest options available.

Cash ISA Saver


Want to save but also have instant access to your money? With this flexible cash ISA, you can do just that.

Cash ISA Saver

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.

1 Year Fixed Rate Cash ISA

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.

2 Year Fixed Rate Cash ISA

Investment ISAs

  • Values can go down as well as up.
  • Historically better suited to saving over 5+ years.
  • Potential for higher returns.

Ready-Made Investment ISA

Experts build and manage a diversified portfolio for you.

Ready‑Made Investment ISA

Share Dealing ISA

Choose from a wide range of investments with tools and insights.

Share Dealing ISA

See all our savings

You can see all our current savings accounts in one place in a useful comparison chart which features rates, levels of access, penalties for taking money out and more.

If you're interested in using your ISA allowance in this tax year, you can easilly filter at the top of the grid to just see our ISAs.

See all our savings

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See all our savings

You can see all our current savings accounts in one place in a useful comparison chart which features rates, levels of access, penalties for taking money out and more.

If you're interested in using your ISA allowance in this tax year, you can easilly filter at the top of the grid to just see our ISAs.

See all our savings

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Savings jar containing coins and notes

ISA basics

Individual Savings Accounts, ISAs for short, give you the opportunity to save or invest tax efficiently. So you don’t have to pay any tax on your savings and your investment profits are free of Capital Gains and UK Income Tax.

You get an ISA allowance each tax year, a capped amount that you can put into one account or spread across several ISAs if you’d prefer. Find out more about ISAs.

At the moment, the allowances are up to £20,000 in personal ISAs or up to £9,000 on behalf of a child in a Junior ISA.

Short-term goals

Instant access savings

For when you need easy-to-access money to reach your 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.
Cash ISA Saver Cash ISA saver

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.
     

Club Lloyds Advantage ISA Saver

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 3.25% AER/tax-free fixed interest for one year.
     
    Get up to an extra 0.45% AER/tax free. Extra interest depends on what other accounts you hold with us.
  • 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.
1 Year Fixed Rate Cash ISA 1 year fixed rate cash ISA

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 3.25% AER/tax-free fixed interest for two years.
Get up to an extra 0.55% AER/tax free. Extra interest depends on what other accounts you hold with us.
 
  • 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 2 year fixed rate cash ISA

Medium to long-term goals

Investments

For those big-ticket, medium to long-term goals.

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.
Share Dealing ISA

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.
Ready-Made Investments
 

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.
Invest Wise ISA

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. Schroders Personal 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.

Schroders Personal Wealth logo

More about financial advice

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. There will normally be a charge for that advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

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. 

Boring money logo, value for money winner 2026.
Moneyfacts 5 star service rating for personal savings, easy to open, 2026.

Terms defined

AER. Stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

Tax-free rate. Is the contractual rate of interest payable where interest is exempt from income tax.

Protecting your money

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £120,000 of the eligible money you hold with us.

More about the FSCS

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Browse our latest savings account offers, including options helping you to make the most of your annual ISA allowance.

View our savings accounts