NS&I lifts the Premium Bonds prize fund rate to 4.35% tax-free from the September 2026 draw, with odds shortening to 21,000 to 1 and over 6.5 million prizes worth around £497 million.
Fixed rate ISAs lock a tax free interest rate for a set term, with FSCS protection to 85,000 pounds per bank. Unlike fixed bonds, ISA rules require access before maturity, at the price of an interest penalty typically between 90 and 365 days.
Withdrawing from a Lifetime ISA outside a first home purchase, age 60 or terminal illness triggers a 25% charge that claws back the bonus plus 6.25% of the saver's own money. From April 2028 the LISA is replaced by a first time buyer ISA.
Yorkshire Building Society review for 2026, FCA FRN 106085, FSCS protection explained: products, eligibility and who it suits.
Yorkshire Building Society ISA Rates explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
West Bromwich Building Society review for 2026, FCA FRN 104877, FSCS protection explained: products, eligibility and who it suits.
West Bromwich Building Society ISA Rates explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Vida Savings review for 2026, FCA FRN 738741, FSCS protection explained: products, eligibility and who it suits.
Vida Savings Cash ISA explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Vernon Building Society review for 2026, FCA FRN 195475, FSCS protection explained: products, eligibility and who it suits.
Vernon Building Society Interest Rates explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
United Trust Bank review for 2026, FCA FRN 204463, FSCS protection explained: products, eligibility and who it suits.
United Trust Bank ISA Rates explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
United Bank UK review for 2026, FCA FRN 207381, FSCS protection explained: products, eligibility and who it suits.
Trading 212 Cash ISA explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Tipton & Coseley Building Society Savings explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Tipton & Coseley Building Society review for 2026, FCA FRN 159601, FSCS protection explained: products, eligibility and who it suits.
Tembo Money review for 2026, FCA FRN 928010, FSCS protection explained: products, eligibility and who it suits.
Tembo Money Cash ISA explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Teachers Building Society review for 2026, FCA FRN 156580, FSCS protection explained: products, eligibility and who it suits.
Teachers Building Society ISA explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Swansea Building Society review for 2026, FCA FRN 206066, FSCS protection explained: products, eligibility and who it suits.
Swansea Building Society ISA Rates explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Suffolk Building Society review for 2026, FCA FRN 104875, FSCS protection explained: products, eligibility and who it suits.
Suffolk Building Society Interest Rates explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Stafford Railway Building Society review for 2026, FCA FRN 206063, FSCS protection explained: products, eligibility and who it suits.
Stafford Railway Building Society Interest Rates explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Skipton Building Society review for 2026, FCA FRN 153706, FSCS protection explained: products, eligibility and who it suits.
Skipton Building Society ISA Rates explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Scottish Building Society review for 2026, FCA FRN 206034, FSCS protection explained: products, eligibility and who it suits.
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