Best Cash Lifetime ISAs in the UK

The best Cash Lifetime ISAs from the whole UK Savings Market!

theprivateoffice.co.uk monitors the whole UK savings market (that's over 4,000 accounts) to bring together the best buys available.

The following savings best buy tables are also available:

• Best High Interest Current Accounts
• Best Easy Access Savings Accounts
• Best Fixed Rate Bonds
• Best Variable Rate ISAs
• Best Fixed Rate ISAs
• Best Notice Savings Accounts
• Best Regular Savings Accounts
• Best Children’s Savings Accounts
• Best Cash Junior ISAs
• Best Easy Access Cash ISAs 
• Best Notice Cash ISAs

If you are considering a Cash Lifetime ISA to help you save to buy your first home, you may find Tembo's online tool helpful which shows you how to maximise the amount you could borrow, including by using government schemes. Tembo* is a mortgage broker that specialises in helping first-time buyers get on the property ladder. You can read our Tembo Money review for more information.

Ways to always ensure you get the best savings rate

1. Bookmark this page and regularly check our best buy tables, such as the one below.
2. Work out your priorities - do you need access to your money or can you lock it away for potentially greater returns?

Best Cash Lifetime ISAs

	Plum*	Moneybox	Tembo*	Paragon	Bath Building Society
Account name	Plum Lifetime ISA	Cash Lifetime ISA	Cash Lifetime ISA	Cash Lifetime ISA - Issue 3	Bath Building Society - Lifetime ISA
AER	4.50%	4.35%	4.30%	3.51%	2.60%
Minimum opening balance	£1	£1	£1	£1	£1
How to manage the account	Mobile	Mobile Banking	Mobile Banking	Online, Post, Telephone	Online, Mobile Banking, Phone, Branch
How to apply	Mobile	Mobile	Mobile	Online	Online, Mobile Banking, Branch
Account summary	Rate includes a 12-month bonus of 1.39% for new customers only Transfers in are allowed. A 25% government bonus is paid monthly if a deposit has been made that month. Interest is paid monthly.	The interest rate includes a bonus rate of 1.55% AER for the first 12 months. Monthly 25% government bonus is paid if a deposit is made that month. 25% withdrawal fee unless used to buy a first home or for retirement.	Rate includes a 12-month bonus of 0.50% for new customers only; the rate is 3.80% for non-new customers. Available through the Tembo app only. A 25% government bonus is paid monthly if a deposit has been made that month. Access is subject to a 25% withdrawal charge, unless it is after the age of 60 or for the purchase of a first home, as defined by HMRC. Lifetime ISA transfers in are allowed. Interest is paid monthly.	A 25% government bonus is paid monthly if a deposit has been made that month.	A 25% government bonus is paid monthly if a deposit has been made that month. The interest rate is calculated and paid annually on December 31st.
Financial Services Compensation Scheme	Own Licence	Shared Licence	Shared Licence	Own Licence	Own Licence

updated 17/05/2026

If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. The following link can be used if you do not wish to help Money to the Masses or take advantage of any exclusive offers -  Plum, Tembo