ISA rates & factors
| ISA type | Eligibility |
Maximum subscription per tax year1 |
Government bonus |
| Cash ISA | 16+ | £20,000 per year | None |
| Stocks and Shares ISA | 18+ | £20,000 per year | None |
| Lifetime ISA2 | 18-40 for set up but can subscribe up to age 50. | £4,000 per year | Maximum £1,000 per year (25%) |
| Help to buy ISA3 | 18+ | Initial subscription was £1,200 then £200 per month4 | Minimum £400 Maximum £3,000 |
| Junior ISA2 | Up to 18 | £9,000 per year | None |
| Flexible ISA2 | 18+ | £20,000 per year | None |
| Innovative finance ISA | 18+ | £20,000 per year | None |
1 The overall maximum subscription to all ISAs is £20,000.
2 Lifetime ISAs, Junior ISAs and Flexible ISAs can be Cash ISAs or Stocks and Shares ISAs.
3 It is not longer possible to open a new Help to Buy ISA. It is possible to pay in until November 2029.
4 The minimum Government bonus is £400 so it is necessary to pay in at least £1,600 before a bonus is awarded.