Secure your ISA allowance. Get a 4.55% AER variable, market-leading rate in the HL Cash ISA and tax-free growth with the HL Stocks and Shares ISA.
HL ISAs
The best Cash ISA rate on the market: exclusive 4.55% AER
Lock in your ISA allowance by making the most of both Cash ISAs and Stocks and Shares ISAs with the UK’s #1 platform for investments and savings.
Before you invest in an ISA: investing for 5+ years increases your chances of higher 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 higher 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.
Beat the Budget
Chancellor Rachel Reeves will deliver Labour’s latest Autumn Budget on 26 November. Tax rises are expected and there’s continued speculation about a cut to the Cash ISA allowance. If you can, now could be a good time to secure your £20,000 ISA allowance.
Get tax-free growth
Save and invest free from UK income and capital gains tax.
Save and invest at once
Split your allowance between our Cash ISA and award-winning Stocks and Shares ISA.
Move money flexibly
Move money backwards and forwards between your ISAs in one place.
HL Cash ISA
Take advantage of our exclusive 4.55% AER/4.46% tax-free, easy-access, variable rate. This is three times higher than some high street banks*. Rate correct 12/11/25.
Secure tax-free interest. Save up to £20,000 each tax year with the only Cash ISA you’ll ever need.
Get consistently great rates. Pick, mix and switch between rates from more than 10 banks, in one online account.
AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products.
Tax free interest/profit in a Cash ISA is paid free of UK income tax. Tax rules can change and benefits depend on individual circumstances.
HL Stocks and Shares ISA
Save tax. Invest up to £20,000 each tax year, free from UK income and capital gains tax.
Inflation-busting potential. Investments should provide higher returns than cash over the long term. Choose from funds, shares, ETFs, ready-made options and more.
Pocket a £150 John Lewis voucher. Add £10,000 or more by 10 December and you’ll get a £150 e-voucher on us. We’ll email your voucher by 14 March 2026. If you withdraw money from your ISA before 31 January 2026, you won’t receive the voucher if this takes your account balance below £10,000. Terms apply.
Your Stocks and Shares ISA investment options
Build your own ISA
Your ISA, your choice
Choose from funds, UK and overseas shares, investment trusts, bonds, exchange-traded funds (ETFs) and more.
Expert research
Take advantage of our expert research, analysis and ISA investment ideas.
Leave it to our experts
Ready-made investments
All-in-one investment options, created by our team of experts.
Easy to start
Choose the investment which best matches your goals and risk level. Add supporting investments if you want to personalise your portfolio.
Is an ISA right for you?
Consider using your ISA allowance if:
You’re clear on the differences between saving and investing. Investing in a Stocks and Shares ISA could make sense for longer term goals. Savings in a Cash ISA are more easily accessible for shorter term goals.
You understand that investing for 5+ years increases your chances of higher returns compared to cash savings. But you know that investments rise and fall in value, so you could get back less than you put in.
You’re aware that tax benefits depend on your circumstances and rules can change.
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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.
*We've have compared our easy-access rate with instant access rates from Barclays, HSBC, Lloyds and NatWest, as at 11/11/25. High street banks offer instant access which allow immediate withdrawals. The HL Cash ISA offers easy access which allows withdrawals within 1 working day.
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).