Best Buy Cash ISAs
Find the best cash ISA rate to make the most of your tax free allowance.
Interest paid annually. Unlimited deposits and withdrawals. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. FSCS Protected.. Must be UK resident and be aged 18 or older. After 12 months the interest rate changes to 1.45% AER variable. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK
- Term: Instant Access
- Invest From: £1
Headline rate includes a guaranteed fixed bonus rate of 2.97% for the first 12 months, plus the standard variable rate which is currently 1.05%. After 12 months, you’ll continue to receive the standard variable rate. Interest paid annually. Open and manage online or on mobile banking app. Unlimited deposits (up to a combined limit of £20,000 across your ISAs within this tax year) and unlimited withdrawals. ISA transfers also allowed in. FSCS Protected. Maximum balance £1,000,000. Must be UK resident and be aged 18 or older
Show More- Term: Instant Access
- Invest From: £100
Interest paid annually. Unlimited deposits and withdrawals. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. FSCS Protected.. Must be UK resident and be aged 18 or older. After 12 months the interest rate changes to 1.45% AER variable. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK
- Term: Easy Access
- Invest From: £1,000
Interest paid annually. Unlimited deposits and withdrawals. ISA transfers also allowed in. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older
- Term: Easy Access (up to 4 withdrawals per year)
- Invest From: £1
Withdraw on any 4 days a year. Interest paid at maturity. Unlimited deposits. ISA transfers in also allowed. Open and manage your account online. FSCS Protected. Must be UK resident and be aged 18 or older. After 12 months, the account will be transferred to an online easy access cash ISA account
- Term: Instant Access
- Invest From: £1
Unlimited deposits and withdrawals. Interest paid monthly. ISA transfers also allowed. Open and manage online or in app
FSCS Protected. £500,000 maximum deposit across all OakNorth accounts. Must be UK resident and aged 18 or older
- Term: Instant Access
- Invest From: £1,000
3.35% AER / 3.30% tax-free p.a (variable), interest paid monthly. Flexible ISA – withdraw and replace funds without affecting your annual ISA allowance. Unlimited deposits and withdrawals. Interest paid monthly. ISA transfers also allowed in. FSCS Protected. Tax treatments depend on your individual circumstances and may change in the future’. Powered by ClearBank: Wealthify will provide the day-to-day servicing of the account with ClearBank providing the account itself. Must be UK resident and be aged 18 or older
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- Term: Instant Access for 12 months
- Invest From: £500
Interest paid annually. Unlimited deposits and withdrawals. ISA transfers also allowed in. Manage your account in branch, online using internet or mobile, or over the phone. FSCS Protected. Must be UK resident and be aged 18 or older. After 12 months, Santander will transfer your account to an ISA Saver. Before the term ends, Santander will contact you with your new interest rate.
- Term: 1 Year
- Invest From: £1
Interest paid annually. New deposits between £1 and £20,000. ISA transfers in also allowed. Open and manage online or on mobile banking app. FSCS Protected. After 12 months, your account will switch to an Instant Access Cash ISA and receive the standard variable rate. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days lost interest
- Term: 1 Year
- Invest From: £1
Interest paid at maturity. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older. No withdrawals permitted
- Term: 1 Year
- Invest From: £100
Interest paid at maturity. ISA transfers also allowed in. Tax free interest. FSCS Protected. Must be UK resident and be aged 18 or older. No withdrawals permitted. Closure permitted with 90 days’ loss of interest
- Term: 1 Year
- Invest From: £25,000
Terms and Conditions: 4.20% AER/Tax-free p.a. (fixed) for 1 year on balances above £25,000. Alternative rates available on balances below £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
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- Term: 1 Year
- Invest From: £25,000
Terms and Conditions: 4.20% AER/Tax-free p.a. (fixed) for 1 year on balances above £25,000. Alternative rates available on balances below £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- Term: 12 Months
- Invest From: £1
Interest paid monthly. ISA transfers also allowed in. Maximum balance £500,000. FSCS Protected. Must be UK resident and be aged 18 or older. 90-day interest penalty on early withdrawals
- Term: 1 Year
- Invest From: £1,000
Terms and Conditions: 4.05% AER/Tax-free p.a. (fixed) for 1 year on balances between £1,000 – £24,999. Alternative rates available on balances above £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- Term: 1 Year
- Invest From: £1,000
Terms and Conditions: 4.050% AER/Tax-free p.a. (fixed) for 1 year on balances between £1,000 – £24,999. Alternative rates available on balances above £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- Term: 1 Year
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days lost interest
- Term: 1 Year
- Invest From: £500
Interest paid at maturity. ISA transfers also allowed in. Manage your account in branch, online using internet or mobile, or over the phone. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 120 days lost interest.
- Term: 1 Year
- Invest From: £500
Interest paid annually. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days loss of interest. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK
- Term: 2 Years
- Invest From: £1
Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older. No withdrawals permitted
- Term: 2 Years
- Invest From: £1000
Interest paid monthly or annually. ISA transfers in up to a maximum account balance of £1,000,000. FSCS Protected. Must be UK resident and be aged 18 or older. 180 day interest charge on early withdrawals
- Term: 2 Years
- Invest From: £25,000
Terms and Conditions: 4.30% AER/Tax-free p.a. (fixed) for 2 years on balances above £25,000. Alternative rates available on balances below £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- Term: 2 Years
- Invest From: £25,000
Terms and Conditions: 4.30% AER/Tax-free p.a. (fixed) for 2 years on balances above £25,000. Alternative rates available on balances below £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- Term: 2 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 180 days lost interest
- Term: 2 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Tax free interest. FSCS Protected. Must be UK resident and be aged 18 or older. No withdrawals permitted. Closure permitted with 180 days’ loss of interest
- Term: 2 Years
- Invest From: £1,000
Terms and Conditions: 4.05% AER/Tax-free p.a. (fixed) for 2 years on balances between £1,000 – £24,999. Alternative rates available on balances above £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- Term: 2 Years
- Invest From: £1,000
Terms and Conditions: 4.05% AER/Tax-free p.a. (fixed) for 2 years on balances between £1,000 – £24,999. Alternative rates available on balances above £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- Term: 2 Years
- Invest From: £500
Interest paid annually. ISA transfers also allowed in. Manage your account in branch, online using internet or mobile, or over the phone. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 120 days lost interest.
- Term: 2 Years
- Invest From: £500
Interest paid annually. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 180 days loss of interest. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK
- Term: 24 Months
- Invest From: £1
Interest paid monthly. ISA transfers also allowed in. Maximum balance £500,000. FSCS Protected. Must be UK resident and be aged 18 or older. 180 day interest penalty on early withdrawals
- Term: 3 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 270 days lost interest
- Term: 3 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Tax free interest. FSCS Protected. Must be UK resident and be aged 18 or older. No withdrawals permitted. Closure permitted with 270 days’ loss of interest
- Term: 3 Years
- Invest From: £1
Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2021. Must be UK resident and be aged 18 or older. No withdrawals permitted
- Term: 36 Months
- Invest From: £1
Interest paid monthly. ISA transfers also allowed in. Maximum balance £500,000. FSCS Protected. Must be UK resident and be aged 18 or older. 270 day interest penalty on early withdrawals
- Term: 5 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 365 days lost interest
- Term: 5 Years
- Invest From: £1
Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older. No withdrawals permitted
Best Buy Cash ISA
Whatever the current best buy cash ISA is, is dependent on changes to rates and other potential variables, therefore before taking out a new Cash ISA it can be a good idea to shop around various different providers to try and find the best product for you.
You can use the tables on this site to compare a selection of ISAs from a variety of different providers and follow the links to find out more.
About cash ISAs
All eligible individuals can open up to one Cash ISA and contribute up to the maximum ISA allowance into it each tax year.
Cash ISAs offer a straight forward way to earn interest on your savings. They work similarly to the standard savings accounts offered by different banks and building societies. The main difference is that all interest earned on money within the account, up to the maximum allowance, is paid tax-free.
Types of Cash ISA
There are varying types of Cash ISA offered by different providers, which type of Cash ISA is best for you will be dependent on how you wish to save:
- Instant Access Cash ISAs: Instant Access products tend to allow the account holder to make unlimited, free withdrawals and deposits up to their maximum ISA allowance. This type of account tends to offer a variable rate of interest meaning the rate you receive on the account could fluctuate over time.
- Fixed-term/rate ISAs: Fixed-term or fixed-rate ISAs tend to require savers to lock their money in the account for a predefined period of time usually without being able to make either full or partial withdrawals from the account, some may allow withdrawals but subject penalty usually calculated at a set amount of days worth of interest. In return for locking their cash into the account savers are normally offered a fixed rate of interest, meaning the interest rate will stay the same over the course of the ISA. Fixed-rate ISAs tend to be offered for periods of time from between one to five years, generally speaking the longer the period of the ISA the better the rate of interest offered by the provider.
Transfers
It’s possible to transfer an ISA to another either the same or a different provider. However, while all ISA providers are required to permit account holders to transfer away, they do not have to allow transfers in from other ISAs. ISA providers can also charge an interest penalty for moving away from their account. This means that while moving ISAs can sometimes be beneficial, for reasons such as achieving a better interest, savers should first check that the account they wish to move to accepts transfers in, it is also wise to consider if after factoring in any penalty that might be incurred for transferring away if it would cancel out the potential benefits of a better rate of interest.
It is possible to transfer between different types ISA such as from an Investment ISA into a cash ISA or vice versa.
Frequently Asked Questions
Can I lose money in an ISA?
You can lose money in a Stocks and Shares ISA if your investments go down in value. You cannot lose money with a Cash ISA.
Can I transfer my Cash ISA into a Stocks and Shares ISA?
Yes, you can transfer from your Cash ISA to a Stocks and Shares ISA at any time. However, do check you won’t lose out by transferring, as some Fixed Rate Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended
Can I withdraw money from an ISA?
For Cash or Stocks and Shares ISAs, yes, although some Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended.
How much money can I put in a Stocks and Shares ISA?
You can add £20,000 for the current tax year, and this amount refreshes each tax year.