Compare Accounts
Find the one that's right for you
The right account for you will depend on your goals. Whether you’re building a pension pot or just saving for the future, we can help.
You can check the different features of our award-winning investment and savings accounts in the table below, or tell us your goals to narrow the field.
This table is here to help you choose an account yourself, but it’s not advice or a personal recommendation on what might be suitable for you. If you’re not sure, you should consider financial advice.
BEST BUY ISA 2025
Boring Money Best Buys
BEST BUY SIPP 2025
Boring Money Best Buys
Important information: investing for longer increases the likelihood of positive returns. Over a period of five 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.
Tax rules can change and their benefits depend on your circumstances. Once in a pension your money isn't usually accessible until 55 (57 from 2028).
Which accounts are you looking for?
Investment accounts
| Overview | Eligibility | Account charge | Allowance | Withdrawal | Minimum to open | |
|---|---|---|---|---|---|---|
Stocks and Shares ISAInvest up to £20k every year free from UK tax. Learn more |
UK residents 18+ |
Up to 0.45%* |
£20,000 per year across all ISAs |
Anytime |
£100 lump sum or £25 a month through Direct Debit |
|
Lifetime ISASave and invest tax free for a first home or later life, and earn a 25% government bonus on your contributions. Learn more |
UK residents 18 to 39 |
Up to 0.25%* |
£4,000 per year, as part of your ISA allowance |
To buy an eligible first home, or from age 60 (other withdrawals usually subject to 25% penalty) |
£100 lump sum or £25 a month through Direct Debit |
|
Fund and Share AccountLow-cost flexible dealing account. Learn more |
UK and EEA residents 18+ |
Up to 0.45%* |
Unlimited |
Anytime |
£0 to open, invest from £100 or £25 a month through Direct Debit |
|
Self-Invested Personal Pension (SIPP)A flexible pension that puts you in control, with up to 45% tax relief on contributions. Learn more |
UK residents 18+ |
Up to 0.45%* |
As much as you earn, usually up to £60,000 per year |
From age 55 (57 from 2028) |
£100 lump sum or £25 a month through Direct Debit |
Savings accounts
| Overview | Eligibility | Account charge | Allowance | Withdrawal | Minimum to open | |
|---|---|---|---|---|---|---|
Active SavingsSave without limits with the widest range of interest rates. Learn more |
UK residents 18+ |
None |
Unlimited |
Restrictions apply to fixed rate savings |
£1 |
|
Cash ISAPay no tax on interest earned. Learn more |
UK residents 18+ |
None |
£20,000 per year across all ISAs |
Restrictions apply to fixed rate savings |
£1 but this can change depending on the savings products you choose within the Cash ISA |
Junior accounts
| Overview | Eligibility | Account charge | Allowance | Withdrawal | Minimum to open | |
|---|---|---|---|---|---|---|
Junior SIPPA pension you can open for a child to help them build long-term savings. Learn more |
Parents or guardians for a child who is a UK resident |
Up to 0.45%* |
Up to £3,600 per year (including £720 tax relief) |
From age 55 (57 from 2028) |
£100 lump sum or £25 a month through Direct Debit |
|
Junior Stocks and Shares ISAA simple way to save up to £9,000 free from UK tax. Learn more |
Parents or guardians for a child who is a UK resident |
No online dealing or annual account charge* |
Up to £9,000 per year |
From age 18 |
£100 lump sum or £25 a month through Direct Debit |
|
Bare Trust AccountInvest for a child without investment limits. Learn more |
Anyone can set up a Bare Trust for a child, as long as the giver, account holder, and child are all UK residents |
Up to 0.45%* |
Unlimited |
From age 18, or before as long as it's used on the child's behalf |
£100 lump sum or £25 a month through Direct Debit |
*Other charges will depend on the investments you choose.
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