Tembo

Polly

Shahi

Anya Gair

Learn more about our savings products and using the app

Savings

Deadlines to contributing to a Tembo ISA/LISA account for the 25/26 tax year

Tembo's Key Tax Year End Dates

When is the deadline to pay into my Lifetime ISA for this tax year?

Tax Year End Preparation for 2025/26

Can I open an ISA if I have US citizenship?

We know that when you're saving for a deposit or building your future, every day of interest counts. While we aim to make transfers as seamless as possible, exactly when…

Will I earn interest during the transfer period?

Can I open a Tembo ISA for my child?

What’s the Tembo cancellation period?

Is there a transfer-out or transfer-in fee?

We offer some of the most competitive interest rates in the UK to help you grow your deposit faster.

Current Interest Rates on Tembo's Saving Products

Introductory or 12-month bonus rates are designed for new customers opening an account for the first time. If you already have a Tembo account, these promotional rates cannot be applied…

Can I get an introductory or 12-month bonus rate if I'm already a customer?

Joao Cadidé

Understanding Our Products

Eddie Ross

Learn more about this government-backed savings product

Lifetime ISA

What is a Lifetime ISA?

Who can open a Lifetime ISA?

What's the difference between a Cash or Stocks & Shares Lifetime ISA?

Can I open a Lifetime ISA if I have an ISA already?

Can I open a Lifetime ISA for my child?

Do I have to put £4,000 into my Lifetime ISA every tax year?

Can I have a Lifetime ISA and a Cash ISA?

Can I change my Cash Lifetime ISA to Stocks & Shares?

How do the fees work on the Tembo Stocks & Shares Lifetime ISA?

Do I have to pay into my Lifetime ISA monthly?

How can I use my Lifetime ISA for retirement?

How can I use my Lifetime ISA to buy a home?

How is a Lifetime ISA different to a Help to Buy ISA?

Can I use a Lifetime ISA to buy with someone else?

Can I make one-off payments into my Lifetime ISA?

What’s the difference between a Lifetime ISA and a Cash ISA?

What types of properties can you buy using a Lifetime ISA?

FAQs and more information about Tembo Lifetime ISAs

About Tembo Lifetime ISAs

Can I transfer a Lifetime ISA to Tembo?

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

Does transferring a Lifetime ISA impact when you can buy a house?

Can I transfer my Help to Buy ISA to Tembo?

How can I resolve and prevent delays or issues with my Cash ISA transfer?

Transferring your Lifetime ISA (LISA) to Tembo is the smart way to keep your 25% government bonus working for you. It's secure, managed entirely in-app, and we handle the paperwork…

How to transfer a Lifetime ISA to Tembo?

Joining us from another provider? We've got you covered.

Lifetime ISA Transfers

How do I know if my Lifetime ISA withdrawal is eligible?

How do I withdraw funds from a Lifetime ISA for a home purchase?

Lifetime ISA Withdrawals

When is the interest paid on a Cash Lifetime ISA?

How are government bonuses and interest handled during Lifetime ISA (LISA) transfers?

How did the Tembo Cash Bonus work?

How is the 25% bonus paid?

This offer finished at 23:59 on 5 December 2025

Black Friday Lifetime ISA Transfer Bonus 2025

1% bonus when you complete your mortgage through Tembo

1% Lifetime ISA Bonus FAQs

I opened with the account with £4000 but the app has not updated the Bonus amount

FAQs on Lifetime ISA Interest and Bonuses

Lifetime ISA Interest and Bonuses

Mark Williams

All things Cash ISA, to help you understand the benefit of using one.

Cash ISA - Easy Access

Transfer an existing ISA held with another provider to Tembo

What ISA providers can I transfer an existing ISA from?

How to transfer your ISA from Tembo to another provider

How to transfer an ISA to Tembo. Steps to take and available providers.

How to transfer an ISA to Tembo's Cash ISA (new & existing customers)

Resolving name mismatches during financial account transfers

How can I resolve name mismatches during financial account transfers?

Do I have to wait until my ISA matures to transfer to my Tembo Cash ISA?

Transfers

How can I pay into my Tembo ISA?

Funding your account

How many withdrawals can I make from my Cash ISA?

Withdrawals

How is interest paid on the Cash ISA?

Interest

Can you use Team Up on Cash ISA?

What are the benefits of a Tembo Cash ISA?

Can I have a Tembo Cash ISA if I have one with another provider?

What is unique about the Tembo Cash ISA?

Who can open a Cash ISA?

Is the Tembo Cash ISA flexible?

Can I have more than one Cash ISA?

What is a Cash ISA?

Is an ISA better than a savings account?

What is the Cash ISA limit?

General - Cash ISA - Easy Access

How do I cancel my Tembo account?

Closing your Cash ISA

Common FAQs about the Tembo Fixed Rate Cash ISA

Fixed Rate Cash ISA

Is the Tembo Fixed Rate Cash ISA flexible?

What is the Fixed Rate Cash ISA limit?

How is interest paid on the Fixed Rate Cash ISA

Can you use Team Up on the Fixed Rate Cash ISA?

What’s the difference between a Lifetime ISA and a Fixed Rate Cash ISA?

What happens to my Fixed Rate Cash ISA at the end of the term?

What can I do once my Fixed Rate ISA matures?

Can I have a Lifetime ISA and a Fixed Rate Cash ISA?

What is a Fixed Rate Cash ISA?

Can I have more than one Fixed Rate Cash ISA?

What are the benefits of a Tembo Fixed Rate Cash ISA?

Can I have a Tembo Fixed Rate Cash ISA if I have one with another provider?

Can I have a Fixed Rate Cash and a Cash ISA?

Learn more about the Tembo Fixed Rate ISA

About the Tembo Fixed Rate ISA

Transfer an existing ISA to Tembo's Fixed Rate Cash ISA

Fixed Rate ISA Transfers

How do I withdraw money from my Fixed Rate Cash ISA?

How many withdrawals can I make from my Tembo Fixed Rate Cash ISA?

More information on withdrawals from Fixed Rate ISAs

Fixed Rate ISA Withdrawals

Can I deposit more money after opening my Fixed Rate ISA?

How can I pay into my Fixed Rate Cash ISA?

Funding your Fixed Rate ISA

HomeSaver™

HomeSaver™ is a high-yield savings account designed specifically to help you build your house deposit faster. By combining a competitive interest rate with exclusive bonuses, we help you bridge the…

What is the HomeSaver™?

Who can open a HomeSaver™?

How do I fund my HomeSaver™?

Examples of using a HomeSaver™

Is the interest tax-free?

The HomeSaver account offers a market-leading 5.75% AER (Variable) to help you build your house deposit faster. This rate is specially designed to reward you for consistent saving and for…

How does the HomeSaver™ interest work?

How does the HomeSaver™ bonus work?

What happens if I don’t get a mortgage with Tembo?

Bonus

How do withdrawals work?

Do I need to get a mortgage within 12 months?

How do I get a mortgage through Tembo?

Getting free mortgage advice with your HomeSaver™

Where is my money kept?

Is my money protected?

What if I’m buying with someone else?

General - HomeSaver™

Can I close my HomeSaver™?

Closing your HomeSaver™

Information on referring friends and earning a bonus!

Refer A Friend

From 26 March to 10 April 2026, you and your friend can earn from £20 to £1,000 to help you reach your homeownership goals even faster.

How does the refer a friend scheme work?

Which account is my referral reward paid into?

Does the referral reward impact my ISA allowance?

Is there a limit to how many friends I can refer?

When Will I Receive My Referral Bonus in the Tembo Refer-a-Friend Scheme?

How does the referral scheme work?

Why does the app say I am ineligible to refer friends?

Why is my referral stuck in ‘Completed – pending approval’?

Why is my referral showing as ‘Rejected’?

I’ve referred a friend but it isn’t showing in the app

My friend has completed the steps, but the referral still shows as ‘Pending’

Why isn't my referral showing in the app?

Information on issues with the referral scheme

Troubleshooting

How do I report unauthorised access to my account?

My phone has been lost or stolen, what should I do?

How can I request the removal of my data and stop receiving emails from Tembo?

Rhys

Tips on how to get the most from your app & account

The Tembo app

How has the Tembo app changed?

My circumstances have changed, how do I change my goal?

Where has the Account tab moved to on the Tembo app?

How do I get this version of the app?

Learn more about the changes we've made to the Tembo app recently...

Latest app release

Setting up a monthly direct debit is a simple way to stay on track with your saving goals. You can easily automate your contributions to your Lifetime ISA, Cash ISA,…

How do direct debits work?

How do Gift Links work?

I'm trying to pay into my Tembo account but the payment keeps failing

Why are my payments being declined?

How can I pay into my Tembo savings account?

Can I send funds direct to my Tembo Account via bank transfer (BACS)

Do I need to transfer or add funds into a Tembo ISA to open an account?

What happens when my money is in transit?

Can I withdraw all my funds but keep my account open?

How long does it take to withdraw money from my account?

FAQs on payments, withdrawals and direct debits

Payments & Direct Debits

What to do if you get an "Oops an error has occurred" message?

Can I delete my data from the app?

What is my PIN for my Tembo app?

What does can’t verify details with HMRC mean?

How can I troubleshoot issues with receiving and using Tembo's magic login link?

Information on troubleshooting for your Tembo app

Find answers and get help from Intercom Support and Community Experts

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