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ISAs
Explore our ISA options and find the right setup for your financial goals.
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.
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.
Should I save or invest?
Learn how savings and investments could work together, helping you reach your financial goals.
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 1.35% AER/tax-free variable interest. The rate depends on your balance.
- Get started from as little as £1.
- No charges for withdrawals.
Club Lloyds Advantage ISA Saver
An exclusive Club Lloyds product which pays more interest if you make fewer withdrawals.
- Exclusively available for Club Lloyds customers.
- Earn 3.50% AER/3.45% tax-free variable interest if you make 3 or fewer withdrawals in the 12 months after opening.
- Open with as little as £1.
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 3.95% AER/tax-free fixed interest for one year.
- Open with £3,000 or more.
- A fixed interest rate for extra certainty.
- A fee to withdraw early applies.
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 3.75% AER/tax-free fixed interest for two years.
- Open with £3,000 or more.
- A fixed interest rate for extra certainty.
- A fee to withdraw early applies.
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.
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.
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.
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.
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What is an ISA?
An Individual Savings Account helps you to save and invest tax efficiently.
Understanding investing
Whether you’re new to investing or more experienced, it’s always good practice to keep learning.
Should I save or invest?
Learn how savings and investments could work together, helping you reach your financial goals.
Eligible deposits held with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.
Important legal information
Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.
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.
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.
The tax-free rate is the contractual rate of interest payable where interest is exempt from income tax.