Best cash Lifetime ISA rates
A cash Lifetime ISA is tax-free savings with a 25% government bonus on money you pay in. You can pay in up to £4,000 a year, and that counts towards the £20,000 adult ISA allowance. A 25% withdrawal charge applies if you take money out other than for a first home or from age 60.
3 accounts for £4,000
Sorted by highest rate · Checked 17 Oct 2026, 09:52We may earn a fee if you open an account through a paid link. The top 5 results are never ads. Fees never change the order.
Questions
Is the government bonus included in the AER?
No. The AER is the interest rate on the account. The bonus is separate and is not added into the rate on the row.
Does this list include a stocks and shares Lifetime ISA?
No. These rows are cash Lifetime ISAs. ClearRates does not list investment accounts.