ISA rates & factors
Maximum subscription per tax year1
|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.