Back

Which ISA is best for me?

Answer a few questions and we'll point you in the right direction.

information icon

information

What you should know

This tool doesn't cover Lifetime ISAs, which could help if you're saving for your first home or retirement. The tool provides helpful information, not personal advice.

Start the ISA finder

How do you want to save?
How soon will you need your savings?
How do you feel about taking some risk with your money?

Taking a risk means your money could grow more, but it could also lose value.

Can you lock away your lump sum for a fixed term, with a guaranteed rate of interest?

Better rates may be available if you're able to lock your money away for 1 to 5 years

Do you have a savings account or mortgage with Skipton?

Not sure if this is the right type of ISA for you?

You can explore our full ISA range. Or for personalised savings advice, book a free My Money Review and chat with a savings specialist.

Get ready for new ISA rules

Here's what's set to change from 6 April 2027.

Cash ISA limits are changing

If you're an adult aged 18-64, you still have an overall £20,000 annual ISA allowance. However, you can only put £12,000 into a Cash ISA.

You can still invest £20,000

You'll still be able to invest £20,000 a year into a Stocks and Shares ISA.

No change if you're 65+

If you're 65 or over, your Cash ISA allowance stays at £20,000.

Information

Nothing changes for the 2026/27 tax year. So if you're an adult under 65, you might want to make the most of current ISA rules while you can.