Stocks & Shares LISA | Open a Lifetime ISA

Get rewarded for investing in a Lifetime ISA

As well as being tax free, stocks and shares Lifetime ISAs also give you a generous government bonus, specifically designed to help you buy your first home or save for your pension.

Taking your money out for any other reason comes with a 25% withdrawal charge. If you’re unsure, our experts are here to help you understand how the government bonus works.

Open a Lifetime ISA

View Lifetime ISA key features

25% government bonus
Save up to £4,000 per tax year, and you’ll get a 25% government bonus on top – up to £1,000 – completely free.
Bonus every year until you’re 50
The 25% government bonus will be paid every year you pay into your account, up until aged 50.
Tax-free investing
With a stocks and shares LISA, you don’t pay income or capital gains taxes on any growth to your money – meaning you keep more returns for yourself.
LISA transfer for over 40s
You can only open a Lifetime ISA if you're aged 18–39, but we also offer Lifetime ISA transfers for over 40s.
Start investing from just £25
Once you've funded your account you’re ready to go. Set up a £25 monthly direct debit, make a one-off £250 payment, or transfer an ISA for free.

Get rewarded for investing in a Lifetime ISA

As well as being tax free, stocks and shares Lifetime ISAs also give you a generous government bonus, specifically designed to help you buy your first home or save for your pension.

Taking your money out for any other reason comes with a 25% withdrawal charge. If you’re unsure, our experts are here to help you understand how the government bonus works.

25% government bonus
Save up to £4,000 per tax year, and you’ll get a 25% government bonus on top – up to £1,000 – completely free.
Bonus every year until you’re 50
The 25% government bonus will be paid every year you invest in your account, up until aged 50.
Tax-free investing
With a stocks and shares LISA, you don’t pay income or capital gains taxes on any growth to your money – meaning you keep more returns for yourself.
LISA transfer for over 40s
You can only open a Lifetime ISA if you're aged 18–39, but we also offer Lifetime ISA transfers for over 40s.
Start investing from just £25
Once you've funded your account you’re ready to go. Set up a £25 monthly direct debit, make a one-off £250 payment, or transfer an ISA for free.

Open a Lifetime ISA

View Lifetime ISA key features

Expert tips on...
Lifetime ISAs

Dan Coatsworth

Dan Coatsworth
Editor-in-Chief

Understanding how to manage a stocks and shares Lifetime ISA is important for anyone interested in investing.

Open a Lifetime ISA Learn more about Lifetime ISAs

They are designed for people saving up for their first home (maximum value £450,000) or retirement.
You can transfer your Help to Buy ISA into a Lifetime ISA and give yourself a helping hand getting onto the housing ladder.
You can pay in up to £4,000 a year.
The government tops up your subscriptions by 25% with free money, up to £1,000 a year.
The government bonus is paid on new subscriptions until you turn 50.
It’s important to understand the rules for withdrawing money as there is a penalty charge in certain circumstances.
The account can be opened by anyone aged 18-39.

Expert tips on…
Lifetime ISAs

Understanding how to manage a stocks and shares Lifetime ISA is important for anyone interested in investing.

Dan Coatsworth Editor-in-Chief

Dan Coatsworth
Editor-in-Chief

They are designed for people saving up for their first home (maximum value £450,000) or retirement.
You can transfer your Help to Buy ISA into a Lifetime ISA and give yourself a helping hand getting onto the housing ladder.
You can pay in up to £4,000 a year.
The government tops up your contributions by 25% with free money, up to £1,000 a year.
The government bonus is paid on new contributions until you turn 50.
It’s important to understand the rules for withdrawing money as there is a penalty charge in certain circumstances.
The account can be opened by anyone aged 18-39.

Open a Lifetime ISA

Learn more about Lifetime ISAs

Still not sure about opening a Lifetime ISA?

We get it. Deciding what to do with your hard-earned money can be difficult, especially if you’re unsure where you should invest it. Here, our in-house experts help you by sharing their investing knowledge.