HL ISAs
Save and invest tax-free with HL
Grow your money free from UK tax, whether saving short term or investing for the future.
Tailor your accounts to you with thousands of investment opportunities and competitive savings rates.
Manage all your ISAs in one place and move money between them online.
Before you invest in an ISA: investing for 5+ years increases your chances of positive returns compared to cash savings. But unlike the security offered by cash, investments rise and fall in value, so you could get back less than you put in. You're responsible for your investment decisions. ISA and tax benefits depend on your circumstances and rules can change.
Before you invest in an ISA: investing for 5+ years increases your chances of positive returns compared to cash savings. But unlike the security offered by cash, investments rise and fall in value, so you could get back less than you put in. You're responsible for your investment decisions. ISA and tax benefits depend on your circumstances and rules can change.
Why open an ISA with HL?
An ISA lets you save and invest up to £20,000 each tax year, free from UK income and capital gains tax. With HL, your money could go further with exclusive savings rates and a wide range of investments - all in one place. Plus, get support to make confident decisions.
Great value
Maximise your money with free regular investing and easy access savings rates over 4% - all in one place.
Get a world of choice
Choose from thousands of investment options around the globe, including shares, funds and ETFs. You can also mix and match competitive savings rates.
Let us help you
Speak to our UK-based helpdesk with any questions and get the latest insights from our team of investment analysts.
Which ISA is right for my goals?
Save with the HL Cash ISA
For money you need in the next five years
Save for emergencies, unexpected costs, and short-term goals with access when you need it
More predictable returns than investing
Pick, mix and switch between competitive easy access and fixed rates from our banking partners - with variable easy access earning over 4%
Invest with the HL Stocks and Shares ISA
For money you can keep invested for five years or more
Once you've built up savings, invest to grow your wealth over the long-term
Aim for higher returns than cash, although values rise and fall
Choose a Ready-Made Investment, or pick your own, including shares, funds and ETFs
Get the best of both
Remember, there's no need to choose - having both a Stocks and Shares ISA and a Cash ISA means you can combine the stability of saving with the growth potential of investing to help you reach your financial goals.
Want to save for your child or your first home? Our Junior ISA and Lifetime ISA could be great options.
Get started in minutes
Start saving with a Cash ISA from as little as £1, or add money when you're ready.
Invest with a Stocks and Shares ISA from £100 lump sum, or pay no dealing charges when you invest by Direct Debit from just £25 a month.
FAQs
Common questions about Cash ISAs and Stocks and Shares ISAs.
If you're 18 or over, you can open a Cash ISA - a simple way to grow your savings with easy access and steady returns. It's ideal for building up a safety net.
We suggest keeping enough to cover 3 to 6 months' worth of essential expenses in case of emergencies or unexpected bills. It's also a good place to save for short-term goals you plan to reach within the next five years.
Once you've saved enough cash to cover emergencies and any short-term plans, you might want to think about investing with a Stocks and Shares ISA. Unlike cash savings, a Stocks and Shares ISA gives your money more potential to grow over the long term.
But investing works best if you're able to leave your money untouched for a least five years, so you should feel confident you won't need it in the short-term.
Each tax year, you can put up to £20,000 into your ISAs - this is called your ISA allowance. You can split this amount however you like between different types of ISAs, such as Cash ISAs, Stocks and Shares ISAs, and a Lifetime ISA (just keep in mind the Lifetime ISA has its own limit of £4,000 a year).
Your allowance resets every year on 6 April.
Yes, you can have both a Stocks and Shares ISA and a Cash ISA - and they can work well together. By using both types of ISAs, you can balance security and growth - keeping some money safe and accessible in the short-term, while giving the rest a chance to grow over time and allowing you to plan for the future.
Yes - and they can be great options if you're investing for a particular goal.
Lifetime ISA
Designed to help you save and invest for your first home, or for later life, the Lifetime ISA includes a government bonus of 25% on your savings - up to £1,000 per year. You'll need to check you're eligible for this ISA and rules apply.
Junior ISA
A Junior ISA lets you invest for your child's future. Your child can access the money in their account when they turn 18, giving them a financial head start on adult life.
Yes, you can transfer Cash ISAs, Stocks and Shares ISAs, and Innovative Finance ISAs into an HL Stocks and Shares ISA. It's free to do, and you can request a transfer online in just a few minutes.
You can also transfer cash from an HL Stocks and Shares ISA into an HL Cash ISA, giving you the best of both saving and investing.
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Our clients trust us with over £155bn of their savings and investments.
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We’ve been helping people to save and invest for a better future since 1981.
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Over 200 awards, including 'Best Buy ISA' and 'Best for Customer Service' for 2025.
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This website is issued by Hargreaves Lansdown Asset Management Limited (company number 1896481), which is authorised and regulated by the Financial Conduct Authority with firm reference 115248.
The Active Savings service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 915119). Hargreaves Lansdown Savings Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 with firm reference 901007 for the issuing of electronic money.
Hargreaves Lansdown Asset Management Limited and Hargreaves Lansdown Savings Limited are subsidiaries of Hargreaves Lansdown Ltd (company number 2122142).