You can then take your pick from a range of savings accounts offering competitive rates of interest, including a Cash ISA and Lifetime ISA (LISA), alongside a choice ofinvestment funds. Plum automates saving, offering Cash ISAs, LISAs, and simple investment funds with competitive interest rates (Picture: Getty Images)Five years ago, Matthew Mills struggled to save a penny. ‘I was terrible at saving money – I’d always spend extravagantly – but Plum has changed things dramatically,’ says the sales account manager from Gloucestershire. Plum helps you stash away more money with a series of smart savings rules known as Auto Savers. The Plum LISA currently pays 4.40% AER (variable) for the first 12 months, including a 1.03% AER (variable) bonus (as of 9th September 2025).