Savings Champion

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Cash Lifetime ISA	Cash Lifetime ISA*	Lifetime ISA	Cash Lifetime ISA (Issue 3)	Cash Lifetime ISA (Issue 3)

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.
4.80%	4.75%	3.69%	3.51%	2.85%
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.
4.80%	4.75%	3.69%	3.51%	2.85%
Minimum opening balance
£1	£1	£1	£1	£1
How to manage the account
Mobile Banking	Mobile Banking	Branch, Post	Online, Post, Telephone	Online, Post, Telephone
How to apply
Mobile	Mobile	Branch, Online, Post	Online	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 1.00% bonus for the first 12 months. Moneybox uses a broad range of banks for its Cash Lifetime ISA, and the proportion of money held with each bank can vary over time. However, they will never hold more than 50% of the total funds with a single bank at any given moment. More information can be found at https://www.moneyboxapp.com/fscs-protection/ but please contact Moneybox directly for any specific questions on who your money is held with.	Available through the Tembo 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. Lifetime ISA transfers in are allowed. Interest is paid monthly. Tembo uses two partner banks for its Cash Lifetime ISA, Barclays and Virgin Money, and the proportion of money held with each bank can vary over time. More information can be found at https://www.getnude.com/?utm_source=tembo-nav but please contact Tembo directly for any specific questions on who your money is held with.	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.	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. 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	Shared Licence	Own Licence	Own Licence	Shared Licence

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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?

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