Cash ISA rates
49 Cash ISAs in order of rate and nothing else.
Last checked
Easy access
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
 Trading 212Cash ISA | 1.17% bonus for 12 months on new money, then 3.85%. New customers only through a promo link, and transfers of past years' money earn 3.85%. | Checked | moneysavingexpert.com | 5.02% |
 eToroCash ISA, powered by Moneyfarm | 3 withdrawals a year, and 1% of the rate is paid only after 12 months. You need an eToro account, minimum £500. | Checked | becleverwithyourcash.com | 4.94% |
 ChipSmart Cash ISA | New-customer boost for 12 months, then 3.76%. App only, and Chip is not a bank. | Checked | getchip.uk | 4.72% |
 PlumCash ISA | 2.17% of it is paid only if you stay 12 months, so leaving early loses it. New customers only, and transfers in earn 4.00%. | Checked | withplum.com | 4.71% |
 Ecology Building SocietyDouble Access Cash ISA | 2 withdrawals a year, and you must close it to take more. The rate changes to about 3.05% on 30 November 2027. | Checked | ecology.co.uk | 4.65% |
 MoneyboxCash ISA | 3 withdrawals a year, with a lower rate if the balance falls under £500. Includes a 1.08% bonus for 12 months, minimum £500. | Checked | moneyboxapp.com | 4.53% |
 Hargreaves LansdownActive Savings Cash ISA (easy access) | Doesn't accept direct transfers from other providers, only through an HL Stocks and Shares ISA. | Checked | hl.co.uk | 4.52% |
 Progressive Building Society1 Year Double Access Cash ISA (Issue 21) | Open by branch or post only. 2 withdrawals a tax year. | Checked | theprogressive.com | 4.50% |
 Bank of Ireland UKEasy Access Cash ISA | 3.40% bonus for 12 months, then 0.90%. Minimum £100. | Checked | moneysavingexpert.com | 4.30% |
 Vanquis BankTriple Access Cash ISA (Issue 9) | 3 withdrawals, and a 4th drops the rate to 2.25%. Minimum £1,000. | Checked | vanquis.com | 4.30% |
 Charter Savings BankEasy Access Cash ISA (Issue 82) | No bonus to run out. No limit on withdrawals. | Checked | chartersavingsbank.co.uk | 4.26% |
 Post OfficeOnline ISA (easy access) | 3.35% bonus for 12 months, then 0.90%. Minimum £100. | Checked | moneysavingexpert.com | 4.25% |
 Ford MoneyFlexible Cash ISA | Flexible, so money you take out can go back in the same tax year. | Checked | fordmoney.co.uk | 4.21% |
 Skipton Building SocietyBonus Cash ISA Saver | 2.06% bonus for 12 months, then 2.15%. | Checked | skipton.co.uk | 4.21% |
 Tesco BankInstant Access Cash ISA | 3.15% bonus for 12 months, then 1.05%. | Checked | moneysavingexpert.com | 4.20% |
 Leeds Building SocietyOnline Access Cash ISA (Issue 23) | Minimum £1,000. The rate falls to 3.6% after 12 months. | Checked | leedsbuildingsociety.co.uk | 4.16% |
 Cynergy BankOnline ISA | No limit on withdrawals. | Checked | cynergybank.co.uk | 4.15% |
 Family Building SocietyMarket Tracker Cash ISA (2) | Tracks Bank Rate, so it moves when Bank Rate does. | Checked | familybuildingsociety.co.uk | 4.10% |
 Marcus by Goldman SachsCash ISA | 4.01% for 12 months, then 3.24%. | Checked | marcus.co.uk | 4.01% |
 Tembo MoneyCash ISA (standard) | Withdrawals can take up to 2 working days to arrive. Some existing Tembo customers can't open it. | Checked | tembomoney.com | 4.00% |
 NS&IDirect ISA | Doesn't accept transfers from other ISAs, and it isn't flexible. | Checked | nsandi.com | 3.80% |
 Nationwide1 Year Triple Access ISA | 3 withdrawals, and a 4th drops the rate to 1.05% for the rest of the term. Transfers in only when you open it. | Checked | nationwide.co.uk | 3.30% |
 Virgin MoneyM Access ISA | You need an eligible Virgin Money current account (M Plus, M or Club M). | Checked | uk.virginmoney.com | 3.25% |
 LloydsLimited Access ISA | 3.00% only with 2 or fewer withdrawals. A 3rd drops it to 0.65% until the end of the year. | Checked | lloydsbank.com | 3.00% |
 MonzoInstant Access Cash ISA Pot | Monzo customers only. 2.80% on the free plan, 3.55% on Perks and 3.80% on Max. | Checked | monzo.com | 2.80% |
 BarclaysReward ISA | Barclays customers only. In any month you make a withdrawal it pays 0.85%. | Checked | barclays.co.uk | 2.75% |
 Shawbrook BankEasy Access Cash ISA | Minimum £1,000. No limit on withdrawals. | Checked | shawbrook.co.uk | 2.70% |
 SantanderEasy Access ISA | A 12-month account. Minimum £500. | Checked | santander.co.uk | 2.00% |
 Ulster BankCash ISA | 1.15% up to £24,999, and 2.45% over £25,000. | Checked | ulsterbank.co.uk | 1.15% |
| LloydsCash ISA Saver | 0.75% up to £24,999, 0.90% from £25,000 and 1.00% from £100,000. 0.20% more with a Club Lloyds, Premier or Private Banking current account. | Checked | lloydsbank.com | 0.75% |
Fixed for a year
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
 Tandem Bank1 Year Fixed Rate Cash ISA | Locked for a year. Closing or transferring out early costs 90 days' interest. | Checked | moneysavingexpert.com | 5.03% |
| Kent RelianceOne Year Fixed Rate Cash ISA | Locked for a year, with a penalty if you close early. Minimum £1,000. | Checked | depositscout.com | 5.02% |
| Shawbrook Bank1 Year Fixed Rate Cash ISA Plus | New Shawbrook customers only, and existing customers get 4.75%. Closing early costs 90 days' interest, minimum £10,000. | Checked | shawbrook.co.uk | 5.02% |
 Castle Trust Bank1 Year Fixed Rate e-Cash ISA | Locked for a year. Closing early costs 90 days' interest, minimum £1,000. | Checked | moneysavingexpert.com | 5.01% |
 InvestecFixed Rate Cash ISA 1 Year | Locked for a year, with a penalty if you close early. Minimum £1,000. | Checked | depositscout.com | 4.95% |
| Charter Savings Bank1 Year Fixed Rate Cash ISA | Locked for a year, with a penalty if you close early. Minimum £5,000. | Checked | chartersavingsbank.co.uk | 4.93% |
 Hodge Bank1 Year Fixed Rate Cash ISA | No withdrawals for a year. Minimum £1,000, and it doesn't accept transfers from other ISAs. | Checked | depositscout.com | 4.92% |
| Nationwide1 Year Fixed Rate Cash ISA | Locked for a year. Closing early costs 60 days' interest, and new customers must open it in a branch. | Checked | moneysavingexpert.com | 4.75% |
Fixed for 2 years
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| Castle Trust Bank2 Year Fixed Rate e-Cash ISA | Locked for 2 years. Closing early costs 180 days' interest, minimum £1,000. | Checked | moneysavingexpert.com | 5.16% |
 Marsden Building Society2 Year Fixed Rate Cash ISA (to 31 Dec 2028) | Runs until 31 December 2028. Closing early costs 240 days' interest, minimum £1,000. | Checked | moneysavingexpert.com | 5.16% |
 RCI Bank UK2 Year Fixed Term Cash ISA | Locked for 2 years. Closing early costs 180 days' interest, minimum £1,000. | Checked | rcibank.co.uk | 5.15% |
| Shawbrook Bank2 Year Fixed Rate Cash ISA Plus | New Shawbrook customers only, and existing customers get 4.85%. There is a penalty for closing early, minimum £10,000. | Checked | shawbrook.co.uk | 5.12% |
 Aldermore2 Year Fixed Rate Cash ISA | Locked for 2 years, with a penalty if you close early. Minimum £1,000. | Checked | depositscout.com | 5.01% |
| Hodge Bank2 Year Fixed Rate Cash ISA | No withdrawals for 2 years. Minimum £1,000, and it doesn't accept transfers from other ISAs. | Checked | depositscout.com | 4.85% |
| Nationwide2 Year Fixed Rate Cash ISA | Locked for 2 years. Closing early costs 120 days' interest. | Checked | moneysavingexpert.com | 4.85% |
| Paragon Bank2 Year Fixed Rate Cash ISA | Locked for 2 years, with a penalty if you close early. Minimum £500. | Checked | depositscout.com | 4.75% |
| Skipton Building Society2 Year Fixed Rate Cash ISA | No withdrawals for 2 years. Closing early costs 180 days' interest. | Checked | depositscout.com | 4.60% |
| Ford MoneyFixed Cash ISA 2 Year | No access for 2 years. | Checked | fordmoney.co.uk | 4.10% |
| Lloyds2 Year Fixed Rate Cash ISA | No access for 2 years. Minimum £500. | Checked | depositscout.com | 4.10% |
How these rates are checked
Every rate comes from the page linked beside it, and we read those pages each day. A rate we can’t confirm is left off, and so is one we haven’t confirmed in the last 14 days.
The order is by rate and nothing else. Accounts that pay the same rate are listed by name.