Transfer to the market-leading
Cash Lifetime ISA

Boost your savings by switching to Tembo in just 5-minutes. Our Cash Lifetime ISA offers a 4.3% AER (variable) interest rate. Voted the UK’s Best Lifetime ISA, we’re experts in making home happen, faster.

Annual bonus of up to £1,000

No monthly fees, no introductory rates

Tax-free 4.3% AER (variable) interest

Award-winning app & UK-based support


Rated ‘Excellent’, multi-award winning and trusted by thousands to make home happen. Tembo is also backed with investment from Aviva.


We are authorised and regulated by the Financial Conduct Authority. Your financial wellbeing is our top priority.


Up to £85,000 of your money is eligible for protection under the Financial Services Compensation Scheme.


We encrypt and protect all data with banking-level security to keep you and your money safe.

Maximise your

There’s no introductory period on our 4.3% AER (variable) Cash Lifetime ISA, so your rate won’t plummet after the first 12-months. Over 5-years, you’ll earn over £600 more with Tembo versus the next best market alternative.

Transfer in under

Switching providers is quick and stress-free. Just download the app, tell us about your current provider, and we’ll take care of the rest. In as little as 4-weeks, the money will transfer into your Tembo account.

Build your deposit

Our app is full of personalised insights and features to help reduce your time to buy. From our award-winning mortgage tools to AI-driven insights into your spending habits. You’ll also be auto-entered into our monthly £1,000 giveaways.

Keeping your savings safe

Your money is held in a bank-level security account, and is protected by the Financial Services Compensation Scheme. This provides automatic protection of up to £85,000 if the bank that holds your money went out of business. At Tembo, funds are held with our partner banks Barclays and Virgin Money.

Learn more

Need to knows

How easy is it to transfer my Lifetime ISA to Tembo?

Very! In fact, it only takes five minutes. All you have to do is download our app, and sign up. Plus, we’ll have your money transferred in as little as 4 weeks. Once you’re all set up, you can manage your account all from the app and keep track of your house fund.

What’s the 12-month Lifetime ISA rule?

You have to have your Lifetime ISA open for at least 12 months after your first payment into the account to use it to buy a property. However, this 12-month period doesn’t reset if you change provider, rather it’s based on when you first opened your original Lifetime ISA. So if you opened an account 10-months ago, and you transfer to Tembo, you’ll only need to wait another 2-months until you can withdraw the funds penalty-free.

Can I transfer a Help to Buy ISA to a Lifetime ISA?

Yes, you can transfer all of your Help to Buy ISA savings to a Lifetime ISA, or just some of the funds - as long as you don’t transfer more than your £4,000 annual LISA allowance during one tax year. If you’ve already paid into your LISA this tax year, you can only transfer enough to take you up to the remainder of your £4,000 allowance. Once the next tax year starts, you can transfer another £4,000.

How long will it take for my Lifetime ISA to transfer?

Once you’ve downloaded the app and submitted your details, most transfers are completed in as little as 4-weeks. We’ll email you to let you know when your transfer is complete.

Let’s make home happen