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Individual Savings Account (ISA)

An ISA, or Individual Savings Account, is a simple way to pay tax without paying tax on any interest you earn. The main difference between an ISA and any other savings account is that it offers tax-free interest payments, so you could get more for your money. There is a limit to how much money you can put into an ISA in each tax year, which is called the ‘ISA allowance’. The ISA allowance for the 2020/21 tax year is £20,000.

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General Investment Account (GIA)

A GIA, or General Investment Account, is an account which allows you to hold investments outside of tax wrappers, such as ISAs or pensions. Unlike ISAs, there is no limit to how much you can invest in a GIA. They are therefore, ideal for those who have used up their ISA allowance and who have more to invest. There are no restrictions on when you can access money invested in a GIA.