Savings Champion

1	2	3	4	5

Cash Lifetime ISA	Lifetime ISA	Cash Lifetime ISA (Issue 3)	Online Lifetime ISA	Online Cash Lifetime ISA Issue 4

Click here to find out what the * means
AER What's This? This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.
4.25%	3.79%	3.51%	3.50%	3.25%
Gross Interest Rate What's This? This is the initial rate paid, before any tax is deducted. The gross rate will include any bonus that applies at that moment, so it is important to also check the AER.
4.25%	3.79%	3.51%	3.50%	3.25%
Minimum opening balance
£1	£1	£1	£1	£1
How to manage the account
Mobile Banking	Branch, Post	Online, Post, Telephone	Mobile Banking	Online
How to apply
Mobile	Branch, Online, Post	Online	Mobile	Online
Account summary
Available through the moneybox app only. A 25% government bonus is paid monthly if a deposit has been made that month. Access is subject to a 25% withdrawal charge, unless it is after the age of 60 or for the purchase of a first home, as defined by HMRC. Transfers in are allowed. Interest is paid monthly. Rate includes a 0.75% bonus for the first 12 months. This savings account is powered by the provider's partner, Santander. Santander is covered by the Financial Services Compensation Scheme, so funds deposited are protected up to £85,000. Be aware that any funds that you already hold with Santander will also count towards this limit.	Transfers in are not allowed. This is not a flexible ISA. Interest is paid on the 31st of December each year.	A 25% government bonus is paid monthly if a deposit has been made that month. Access is subject to a 25% withdrawal charge, unless it is after the age of 60 or for the purchase of a first home, as defined by HMRC. Interest is paid annually.	There is a retirement LISA also available at the same rate. A 25% government bonus is paid monthly if a deposit has been made that month. Access is subject to a 25% withdrawal charge, unless it is after the age of 60 or for the purchase of a first home, as defined by HMRC. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually.	A 25% government bonus is paid monthly if a deposit has been made that month. Access is subject to a 25% withdrawal charge, unless it is after the age of 60 or for the purchase of a first home, as defined by HMRC. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually.
Financial Services Compensation Scheme What's This? The Financial Services Compensation Scheme currently protects you up to £85,000 per person, per banking licence (Please note many providers share banking licences). Discover more in our FSCS Licence Information Guide If you want to ensure your savings are fully protected now and in the future, whilst getting the best rates of interest, our Cash Advice Service can help you. Request a free, no obligation conversation to find out more.
Own Licence	Own Licence	Own Licence	Own Licence	Own Licence

Sign up for free savings news

Personal accounts

Business accounts

Charity accounts

Cash Lifetime ISAs

AER What's This?

Gross Interest Rate What's This?

Minimum opening balance

How to manage the account

How to apply

Account summary

Financial Services Compensation Scheme What's This?

Join Savings Champion and never worry about your interest rates again!

We're working for a better deal for savers

Top Savings Accounts

Sign up for our newsletter