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What’s an ISA – how do ISAs work?

An ISA is a tax-free savings account for UK residents aged 16 or over. The Government initiated the ISA scheme to encourage people to save. If you are under 16 you can also get a junior ISA. 

With an ISA, all the interest you earn is tax-free but there's a limit on how much you can pay in each tax year. For the tax year ending 5 April 2018, the total annual ISA allowance is £20,000 and for junior ISAs, the annual ISA allowance is £4,128.

More about ISAs >