Is Your ISA Working Hard Enough?

Your ISA can quietly underperform in three ways:

You earn too little interest
You pay too much in fees
You start too late

Small differences compound into thousands over time.

This hub brings together our research, tools and guides to help you check whether your ISA is on track.

Check your ISA rate

Check

Compare ISA providers

Compare

See how long it takes to reach £1m

Check

Finance

The Cash ISA Complacency Gap

The ISA mistake costing you THOUSANDS.

Read the analysis

Finance

The ISA Performance Gap

Two investors with the same £20,000 can end up with very different results depending on fees and portfolio structure.

See the performance comparison

Finance

Who wants to be an ISA millionaire?

Starting early can make a dramatic difference to long-term outcomes.

Find out how

How healthy is your ISA?

Answer our 3 simple questions to identify gaps in your ISA health.

ISA Health Check

Only takes 1 minute

ISA CALCULATOR

ISA Rate Reality Checker

See how much money you could be losing by staying in a low-rate Cash ISA.

Check your ISA rate

ISA CALCULATOR

Quick Stocks & Shares ISA Cost  Comparison Calculator

Compare the costs of different investment platforms.

Compare ISA costs

ISA CALCULATOR

Lifetime ISA Cost Comparison Calculator

Understand the cost structure of different LISA providers.

Compare LISA costs

ISA CALCULATOR

Junior ISA Cost Comparison Calculator

Compare fees and costs across Junior ISA providers.

Compare JISA costs

ISA CALCULATOR

ISA Growth Calculator

Estimate how much your ISA could grow over time.

Calculate ISA value

Are your ready for an ISA?

Is an ISA right for you?

Let’s start!

Only takes 1 minute

Best Cash ISA

Compare the top Cash ISA providers and find competitive rates.

Best Cash ISA

Best Stocks & Shares ISA

In-depth reviews of trading and investment platforms available to UK consumers.

Best Stocks & Shares ISA

Best Lifetime ISA

Our expert team lay out what you need to know for You to make a clear decision.

Best LISA

Best Junior ISA

We’ll make you aware of provider offers and exclusive promotions.

Best JISA

PDF Guides

ISA Guides

Its not just what we say – its what you say too/your opinion matters! More than 5,000 user reviews!

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BEGINNER

Junior ISAs

Download our jargon-free beginners guide to Junior ISAs

INTERMEDIATE EXPERIENCED

Stocks and Shares ISA

What is a Stocks and Shares ISA? Everything you need to know

INTERMEDIATE EXPERIENCED

ISAs vs Pensions

Our guide to Self-Invested Personal Pensions

ISA Transfer Deals

Best ISA & SIPP Transfer Deals

Many providers offer incentives for transferring accounts before the tax year deadline.

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AJ Bell

Set-and-Go Investors

Get up to £500 when you transfer a SIPP, ISA or GIA valued at £20,000 or more.

Visit Platform

Interactive Investor

Investors with large portfolios

Get £100 – £3,000 cashback when you open a SIPP and deposit or transfer a minimum of £20,000. (Offer ends 5 April 2026)

Visit Platform

Invest Engine

Low fee Investors

Perfect for those wanting simple and low fees

Visit Platform

Cash ISA Interest Rates

The best cash ISA rates

Many providers offer bonus interest rates for the first year

Tembo Money

Easy Access Cash ISA

High rates of interest paid on savings accounts

Fixed-rate and variable-rate Cash ISAs available, plus Stocks and Shares LISA and Cash LISA.

AER

4.55%

1.15%

Interest Paid

Monthly

Last changed date

07 Apr 2026

Visit Platform

Trading 212

Easy Access Cash ISA

Cash ISA pays 4.58% interest on new contributions with our exclusive link

4.68% AER (variable) includes a bonus of 1.08% for the first 12 months only for current tax year contributions. on cash, interest paid daily

AER

3.6%

Bonus

Interest Paid

Monthly

Last changed date

30 Jan 2026

Visit Platform

Plum

Easy Access Cash ISA

4.12% AER (variable) including a bonus of 1.01% AER (variable) for 12 months on Plum Cash LISA

4.60% AER (variable) if account kept for 12 months on Plum Cash ISA

AER

2.54%

2.12%

Interest Paid

Monthly

Last changed date

07 Apr 2026

Visit Platform

Key reminders:

Allowances don’t roll over

You can split across ISA types

Using your allowance regularly helps maximise tax-free growth

Take me to the tools I need

Checklist

Check if you have everything for ISA

What interest rate is your Cash ISA paying?
What are your total annual fees?
What funds are you invested in?
Are you using your ISA allowance?
Does your investment strategy match your goals?

Run the ISA health check

Check your ISA rate

Check our detailed analysis of Best ISA platforms

Check your ISA rate

Compare ISA costs

Check our detailed analysis of Best ISA platforms

Compare ISA costs

Estimate your ISA growth

Check our detailed analysis of Best ISA platforms

Estimate your ISA growth

Platform's selected

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Is Your ISA Working Hard Enough?