ISAs
Compare Lifetime ISAs for first-home saving or later-life goals. Compare Cash and Stocks & Shares LISAs by fees, interest rates, minimum contributions, investment choice and transfer support. Lifetime ISA rules, age limits and withdrawal charges apply.
Withdrawal charge
Non-qualifying withdrawals can return less than you contributed after the charge.
First home or later life
Designed for eligible first-home purchases or later-life saving.
Researched by WiT Money
Compare fees, rates, investment choice and provider features side by side.
Stocks & Shares Lifetime ISAs: capital is at risk. The value of investments can fall as well as rise.
ISAs
Compare Stocks & Shares, Cash, Lifetime and Junior ISAs — all under one tax-efficient hub.
Current UK Lifetime ISA rules for tax year 2026/27. Figures last checked 9 September 2026.
Figures from central Lifetime ISA rules (last checked 9 September 2026). Non-qualifying withdrawals generally face a 25% charge — see the withdrawal section below. Confirm on GOV.UK before acting.
We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money
LISA type
Cash Lifetime ISA
Cash AER
4.45% AER
Minimum contribution
£1
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Rates can change. Confirm terms with the provider.
LISA type
Cash Lifetime ISA
Cash AER
4.4% AER
Minimum contribution
£1
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Rates can change. Confirm terms with the provider.
LISA type
Cash Lifetime ISA
Cash AER
4.32% AER
Minimum contribution
£0.01
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Rates can change. Confirm terms with the provider.
LISA type
Cash Lifetime ISA
Cash AER
3.51% AER
Minimum contribution
£1
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Rates can change. Confirm terms with the provider.
LISA type
Stocks & Shares Lifetime ISA (with-profits / insurance wrapper)
Annual fee
No platform fee
Minimum contribution
£10
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares LISAs. Fees may apply.
LISA type
Cash Lifetime ISA
Cash AER
2.6% AER
Minimum contribution
£1
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Rates can change. Confirm terms with the provider.
LISA type
Cash Lifetime ISA
Cash AER
2.05% AER
Minimum contribution
£1
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Rates can change. Confirm terms with the provider.
LISA type
Stocks & Shares Lifetime ISA
Annual fee
0.15% platform fee + £1/month subscription
Minimum contribution
£1
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares LISAs. Fees may apply.
LISA type
Stocks & Shares Lifetime ISA
Annual fee
0.25% platform fee
Minimum contribution
£25
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares LISAs. Fees may apply.
LISA type
Stocks & Shares Lifetime ISA
Annual fee
0.25% platform fee
Minimum contribution
£25
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares LISAs. Fees may apply.
LISA type
Stocks & Shares Lifetime ISA
Annual fee
0.15% platform fee
Minimum contribution
£25
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares LISAs. Fees may apply.
LISA type
Stocks & Shares Lifetime ISA
Annual fee
0.35% platform fee
Minimum contribution
£25
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares LISAs. Fees may apply.
LISA type
Stocks & Shares Lifetime ISA
Annual fee
0.45% platform fee
Minimum contribution
£100
Transfers
Accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares LISAs. Fees may apply.
LISA type
Stocks & Shares Lifetime ISA
Annual fee
1.5% platform fee
Minimum contribution
£20
Transfers
Not accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares LISAs. Fees may apply.
LISA type
Stocks & Shares Lifetime ISA
Annual fee
1.5% platform fee
Minimum contribution
£20
Transfers
Not accepted
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Capital at risk on Stocks & Shares LISAs. Fees may apply.
Capital at risk on Stocks & Shares Lifetime ISAs. Lifetime ISA rules, bonuses and withdrawal charges may change. This is not personal advice. Confirm current terms on GOV.UK and the provider’s website.
Scan type, fee or AER, minimum and transfers. Expand a card above for full detail.
| Provider | LISA type | Fee / AER | Min | Transfers |
|---|---|---|---|---|
| Moneybox | Cash Lifetime ISA | 4.45% AER | £1 | Accepted |
| Tembo | Cash Lifetime ISA | 4.4% AER | £1 | Accepted |
| Plum | Cash Lifetime ISA | 4.32% AER | £0.01 | Accepted |
| Paragon Bank | Cash Lifetime ISA | 3.51% AER | £1 | Accepted |
| Unity Mutual | Stocks & Shares Lifetime ISA (with-profits / insurance wrapper) | No platform fee | £10 | Accepted |
| Bath Building Society | Cash Lifetime ISA | 2.6% AER | £1 | Accepted |
| Skipton Building Society | Cash Lifetime ISA | 2.05% AER | £1 | Accepted |
| Moneybox | Stocks & Shares Lifetime ISA | 0.15% platform fee + £1/month subscription | £1 | Accepted |
| AJ Bell | Stocks & Shares Lifetime ISA | 0.25% platform fee | £25 | Accepted |
| Hargreaves Lansdown | Stocks & Shares Lifetime ISA | 0.25% platform fee | £25 | Accepted |
| AJ Bell Dodl | Stocks & Shares Lifetime ISA | 0.15% platform fee | £25 | Accepted |
| Tembo | Stocks & Shares Lifetime ISA | 0.35% platform fee | £25 | Accepted |
| J.P. Morgan Personal Investing (Nutmeg) | Stocks & Shares Lifetime ISA | 0.45% platform fee | £100 | Accepted |
| Foresters Financial | Stocks & Shares Lifetime ISA | 1.5% platform fee | £20 | Not accepted |
| Foresters Financial | Stocks & Shares Lifetime ISA | 1.5% platform fee | £20 | Not accepted |
Choosing a LISA
Neither option is universally better. Consider when you expect to need the money and whether you are comfortable with investment losses.
Eligibility & goals
Usually open between ages 18–39. Contributions and bonus normally stop from age 50; charge-free later-life access is normally from age 60. Overall adult ISA allowance for 2026/27 is £20,000 — see the ISA hub.
Workplace pensions with employer contributions can be materially different from a Lifetime ISA — compare both before deciding. Pensions.
Government bonus
Current rule · 2026/27. Eligible contributions receive a 25% bonus (max £1,000 on the £4,000 annual LISA limit).
Illustrative example based on current rules
Contribute £800 → government adds £200 (25%) → total £1,000 before growth, interest or charges.
Withdrawals
Withdrawals that do not qualify under Lifetime ISA rules generally face a 25% withdrawal charge. Because the charge applies to the amount withdrawn after the government bonus has been added, you can receive back less than you originally contributed if there has been no investment growth.
You contribute
£800
Government bonus
£200
LISA value
£1,000
25% charge
£250
Amount returned
£750
In this example, the saver receives £50 less than their original £800 contribution.
Illustrative example based on current rules. Ignores growth, interest and provider charges.
Transfers
Choose a new Lifetime ISA provider
Ask the new provider to start the formal transfer
Existing provider sends cash and/or investments
New Lifetime ISA receives the transfer
Protection
FSCS does not work the same way for every Lifetime ISA balance. Eligible deposit protection (currently up to £120,000 per eligible person, per authorised firm) is not the same as protection against investment-market losses.
Eligible cash deposits may receive FSCS deposit protection subject to current eligibility and limits (currently up to £120,000 per eligible person, per authorised firm). Confirm the banking licence.
FSCS may apply in certain firm-failure circumstances. It does not protect against normal investment losses or market falls.
Check the exact provider and activity on the FCA Register. Authorisation does not make investments risk-free.
Compare options
Tax treatment and suitability depend on individual circumstances and rules can change. This is general information, not personalised financial or tax advice.
Comparisons weigh LISA type, fees or AER, minimums, transfers, investment choice and FCA authorisation where checked. Commercial relationships do not determine factual provider information or editorial guidance. Comparison Methodology.
Links are for further reading and do not imply endorsement.
Found an outdated Lifetime ISA rule, provider fee or product feature? Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.
FAQs
Educational answers based on current UK rules — not personalised advice.
Review fees, Cash vs Stocks & Shares options and transfer support — then check GOV.UK before you open or withdraw.
Related
Links are chosen from this category’s registry — not a generic keyword dump.