{"id":352777,"date":"2020-12-01T10:38:55","date_gmt":"2020-12-01T10:38:55","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=352777"},"modified":"2026-07-23T14:48:21","modified_gmt":"2026-07-23T13:48:21","slug":"best-lifetime-isa","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/best-lifetime-isa","title":{"rendered":"Compare the best lifetime ISAs UK 2026"},"content":{"rendered":"<div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">Be first to know about new deals<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, tips and a chance to <strong>win \u00a3100!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" placeholder=\"Enter your email\" name=\"email\" data-prefill=\"me.notes.createAccountEmail\">\n                            <button class=\"email-btn\">\n                                <span class=\"btn-text\">Sign up<\/span>\n                                <span class=\"loading-spinner\"><\/span>\n                            <\/button>\n                        <\/div>\n                        <p class=\"error-msg\"><span class=\"error-msg-text\">Error placeholder<\/span> <span class=\"error-msg-sign-in\"> Click <a class=\"error-msg-sign-in-link\" href=\"https:\/\/www.finder.com\/uk\/user-profile\/sign-in?returnTo=https%3A%2F%2Fwww.finder.com%2Fuk%2Fuk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F352777\">here<\/a> to sign in<\/span><\/p>\n                    <\/div>\n                    <div class=\"links\">\n                                                    <a href=\"https:\/\/finder.com\/uk\/about-us\/competition-winners\">Winners<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\">Emails<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\">Unsubscribe<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">Privacy<\/a>                                             <\/div>\n                <\/div>\n            <\/div>\n                <div class=\"hide-btn\">\n            Hide\n            <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\">\n                <use xlink:href=\"#chevron-down\"><\/use>\n            <\/svg>\n        <\/div>\n    <\/div>\n<\/div>\n\n<h3>What are Lifetime ISAs?<\/h3><p>ISAs (individual savings accounts) are savings accounts that allow you to avoid paying tax on the interest you earn. Across all ISA accounts you have, you\u2019re able to save up to \u00a320,000 in each tax year without paying any tax on your profits (correct for the 2026\/2027 tax year).  Lifetime ISAs are a type of ISA that\u2019s specifically designed to save for your first home or retirement. <\/p><p>If you decide to put money in a LISA, you earn from your savings in 2 ways:<\/p><ul><li><strong>A 25% free bonus from the government.<\/strong> You can put up to \u00a34,000 a year into your account, and you\u2019ll be able to get up to \u00a31,000 a year for free.<\/li><li><strong>The interest rate offered by the bank.<\/strong> You won\u2019t have to pay any tax on this interest.<\/li><\/ul><p>A LISA gives you good value for your money \u2013 but only if you\u2019re prepared to use your saved money for your retirement or your first house. There are some added caveats mentioned below.<\/p><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"K5IV_IRNLDY\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/K5IV_IRNLDY\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/K5IV_IRNLDY\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/K5IV_IRNLDY\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">5:03<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-K5IV_IRNLDY\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">ISAs vs regular savings accounts<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <ul><li>With ISAs, you earn tax-free interest on your savings account.<\/li><li>Since April 2016, the \u201cpersonal savings allowance\u201d allows you to avoid paying any tax on up to \u00a31,000 (\u00a3500 for higher rate taxpayers) of interest you earn from any banking product (not just ISAs).<\/li><li>ISAs have since become less popular because the added value they bring in comparison to savings accounts has diminished.<\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n<h3>How do lifetime ISAs work?<\/h3><p>A lifetime ISA follows many of the same rules as traditional ISAs, meaning you\u2019ll pay no tax on interest earned, and the amount you can deposit per tax year is capped. However, rather than paying in up to \u00a320,000 into your ISA each year, you can deposit a maximum of \u00a34,000 per year in a lifetime ISA.<\/p><p>On top of the interest paid, you\u2019ll also earn a 25% bonus from the government on the amount you deposit each tax year. This bonus is available every year until you turn 50.<\/p><p>But there\u2019s a catch: The money can only be withdrawn after a minimum of 12 months of opening the account to help pay for your first property (worth up to \u00a3450,000) or after you turn 60 years old if you intend to use it for your retirement. If you decide to withdraw it in any other circumstances, you\u2019ll face a 25% penalty. (This penalty was reduced temporarily to 20% between 5 March 2020 and 5 April 2021, in response to the COVID-19 pandemic).<\/p><p>The 25% withdrawal penalty means that, if you wanted to withdraw all the money saved in a lifetime ISA, you would end up with less money than you deposited. For example, if you deposited \u00a3800 in a tax year (and received the \u00a3200 government bonus) you would only receive back \u00a3750 after the government takes 25% of the \u00a31,000 total.<\/p><p>Lifetime ISAs are available as cash ISAs or stocks and shares ISAs. You must be aged between 18 and 39 to open one.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 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<\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Kate Steere explains what\u2019s happening with Lifetime ISAs<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"In June 2026, the UK government announced proposals to replace the Lifetime ISA with a new First Time Buyer ISA. Don\u2019t panic, though, as no changes have been confirmed as yet. The First Time Buyer ISA isn\u2019t expected until April 2028, so until then, eligible savers can still open a new Lifetime ISA, while existing Lifetime ISA savers can continue to contribute to it indefinitely. <\/p><p>What we know so far is that the new First Buyer ISA will just be for first-time buyers, not pension savers. Under the current proposals, the new ISA will look to eliminate the 25% withdrawal penalty, while the 25% bonus is more likely to be paid as a lump sum at the time of house purchase. The new ISA is currently in a consultation period, so these details may well change. We\u2019ll just have to sit tight and see!\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Kate Steere's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                            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class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\" itemprop=\"url\" target=\"_blank\">\n                                Kate Steere\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>How to find the best lifetime ISA?<\/h3><p>The most important factor to consider when searching for a lifetime ISA is the interest rate paid. You can find the best interest rates by searching for lifetime ISAs on any price comparison website.<\/p><p>Customer service ratings might be of interest to you, but for most savers, this pales in comparison compared to the interest rates on offer.<\/p><h3>Which are the best lifetime ISAs at the moment?<\/h3><p>Our best lifetime ISAs are the highest interest rates available. To get the latest rates, we use Defaqto data, which covers nearly the full market of savings products and is checked and updated daily. We don\u2019t include accounts from private banks.<\/p><p>All the lifetime ISAs in our list have savings protection \u2013 for most, this is the Financial Services Compensation Scheme (FSCS). Other schemes include that of NS&amp;I, which is 100% backed by HM Treasury, and the Gibraltar Deposit Guarantee Scheme.<\/p>    <ul>\n                              <li>Plum \u2013 Plum Lifetime ISA - <strong>4.75%<\/strong><\/li>\n                                      <li>Moneybox \u2013 Moneybox Cash Lifetime ISA - <strong>4.45%<\/strong><\/li>\n                                      <li>Tembo Money \u2013 Tembo Cash Lifetime ISA - <strong>4.33%<\/strong><\/li>\n                                      <li>Moneybox Cash Lifetime ISA - <strong>4.25%<\/strong><\/li>\n                                      <li>Plum Lifetime ISA - <strong>4.2%<\/strong><\/li>\n                                                                                      <\/ul>\n<h3>How many LISAs can I have?<\/h3><p>You\u2019re not forbidden from having more than one Lifetime ISA, but you cannot pay money into more than one of them in a single tax year.<\/p><p>If you\u2019d rather have one Lifetime ISA for retirement and another one to buy your first house, you can do that, but you\u2019ll have to pay into them in alternate years. Also, the \u00a34,000 yearly limit is a strict one you won\u2019t be able to bypass.<\/p><h3>Are LISAs worth it?<\/h3><p>As with most financial products, it really depends. A free 25% boost to your savings is not to be brushed off, but equally, don\u2019t let the mirage of easy cash blind you.<\/p><p>LISAs are viable options both for buying a house and for saving for retirement, but in some cases, they aren\u2019t the best option for either.<\/p><p>For example, have you considered increasing your pension contributions? When you put money into your pension, you get tax relief on it \u2013 it\u2019ll be worth at least 20% and even more if you\u2019re a high-rate taxpayer. Since the money you put in your LISA has been taxed at the source (when your salary was paid to you), and you cannot get more than the 25% back, pensions can ultimately turn out more rewarding.<\/p><p>Moreover, if you need to claim government benefits, for example because you find yourself unemployed, you may need to withdraw your LISA before becoming eligible to do so, but pensions don\u2019t count \u2013 and the same is usually true for bankruptcy cases.<\/p><p>LISAs are a smart choice, but you must really be confident that you won\u2019t need the money you put aside any time soon. If you withdraw it in advance, the bill will be depressingly expensive.<\/p><h3>An overview of our lifetime ISA comparison<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n<table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Rates up to<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n4.75% AER\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n17\n<\/td>\n<\/tr>\n<tr>\n<th>Minimum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a30.01\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a31,000,000\n<\/td>\n<\/tr>\n<tr>\n<th>Opening options<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nBranch, website, mobile app<\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Pros and cons of a lifetime ISA<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Earn tax-free interest on your savings<\/li>\n                                    <li>A huge government bonus available every year until you turn 50<\/li>\n                                    <li>Available as a cash ISA or a stocks and shares ISA<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>You can only withdraw your funds in very specific circumstances or you'll face a 25% penalty<\/li>\n                                    <li>Only available to those aged between 18 and 39<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>The government bonus on offer with lifetime ISAs is very generous, but you should be extremely sure you want to open one before you do. Withdrawals can only be made to buy your first home or fund your retirement, unless you\u2019re willing to face a 25% fine.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover how a lifetime ISA works, how to find the best lifetime ISA and more. <\/p>\n","protected":false},"author":645,"featured_media":122412,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Best lifetime ISA","_yoast_wpseo_title":"Compare the best lifetime ISAs with rates up to [nb:highest-value niche_code=\"UKFSA-SAV\" record_type=\"PRODUCT\" field=\"MONEYFACTS.RATE1_GROSSAER\" record_set_id=\"470e00b4-d8eb-4f80-8ada-c8bc8a512eb8\" decorated=\"true\"].","_yoast_wpseo_metadesc":"Discover the best lifetime ISA and compare. 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