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​Best Cash ISA Transfers

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.10%
  • Term: 3 Years
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.05%
  • Term: 2 Year

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 0.85%
  • Term: 1 Year

1 Year Fixed Rate Cash ISA

from Hampshire Trust Bank

Interest Rate (AER) 0.40%
  • Term: 1 Year
  • Minimum Deposit £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

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

30 Day Notice Cash ISA

from Aldermore

Interest Rate (AER) 0.55%
  • Term: Easy Access
  • Early withdrawals are permitted subject to loss of interest equivalent to the notice period
  • Open account with £1000

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Online Easy Access Cash ISA

from Cynergy Bank

Interest Rate (AER) 0.50%
  • Term: Easy Access
  • Instant access to funds
  • Open account with £500

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Easy Access Cash ISA

from Coventry Building Society

Interest Rate (AER) 0.30%
  • Term: Easy Access
  • Deposit from £1
  • Interest paid annually or monthly

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Easy Access Cash ISA

from Shawbrook Bank

Interest Rate (AER) 0.30%
  • Term: Easy Access
  • Interest can be paid monthly or annually
  • ISA transfers in allowed
  • £250,000 maximum balance
  • FSCS Protected
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant ISA Saver

from Nationwide

Interest Rate (AER) up to 0.05%
  • Term: Instant Access
  • Instant access
  • 0.01% interest on balances between £1 and £9,999, 0.03% on balances between £10,000 and £49,999, 0.05% on balances of £50,000 and above
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older
  • Must be UK resident

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 0.80%
  • Term: 2 Years
  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

3 Year Fixed Rate Cash ISA

from Shawbrook Bank

Interest Rate (AER) 0.87%
  • Term: 3 Years
  • Interest can be paid monthly or annually
  • ISA transfers in allowed
  • £250,000 maximum balance
  • FSCS Protected
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

1 Year Fixed Rate Cash ISA

from NatWest

Interest Rate (AER) 0.10%
  • Term: 1 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

1 Year Fixed Rate Cash ISA

from Royal Bank of Scotland

Interest Rate (AER) 0.10%
  • Term: 1 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

2 Year Fixed Rate Cash ISA

from Santander

Interest Rate (AER) Up to 0.20%
  • Term: 2 Years
  • Tax free ISA account
  • Open with £500 or transfer in existing ISA funds
  • 0.20% AER/tax-free for 2 years for savings of £500 and over if you're part of 1|2|3 World or Santander Select
  • FSCS Protected
  • 0.10% for balances of £40,000 or over, 0.01% for balances under £40,000
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Royal Bank of Scotland

Interest Rate (AER) 0.10%
  • Term: 2 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

2 Year Fixed Rate Cash ISA

from NatWest

Interest Rate (AER) 0.10%
  • Term: 2 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

Easy ISA

from Santander

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • FSCS Protected
  • 0.10% for balances of £40,000 or over, 0.01% for balances under £40,000
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant Access Cash ISA

from NatWest

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

Cash ISA Saver

from Lloyds Bank

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant Access Cash ISA

from Royal Bank of Scotland

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • Instant Access
  • Open from £1
  • Online, phone or branch access
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be a UK resident
  • Must be 16 or over

ISA Saver Variable

from Halifax

Interest Rate (AER) 0.05%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant Cash ISA

from Barclays

Interest Rate (AER) 0.02%
  • Term: Easy Access
  • Deposit from £1
  • Interest paid annually

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Best Cash ISA Transfers

It can sometimes be beneficial for a saver to transfer their Cash ISA, particularly if they could achieve better interest rates elsewhere or want to change how they can save. However, not all ISA accept transfers in. It is therefore wise to shop around to try and find the best cash ISA transfers available.

You can use comparison tables on this website to compare a selection of different ISAs from different providers, some of which may permit transfers. You can click the more info links to find out more about each product.

Finding the right ISA transfer

Aside from accepting transfers, what makes a cash ISA best for one individual can be subjective to how they wish to save, for example how easily they would like to be able to make withdrawals.

Types of Cash ISA include:

  1. Instant Access – Usually allow the savers to make unlimited, free withdrawals. These accounts also often allow savers to deposit money into the account whenever they wish, providing they do not exceed their overall ISA allowance. These accounts are commonly offered on a variable interest basis, which means that the interest rate received on the account can be altered by the provider.
  2. Notice – Notice Cash ISAs require the account holder to give notice in advance of making withdrawals. The duration of this notice period varies but is often between 30 and 120 days. Providers may also place a limit on how many withdrawals the account holder can make within a year.
  3. Fixed Rate – Fixed Rate Cash ISAs generally require the saver to lock their savings into the account for a predefined period of time. Fixed rate ISAs are normally offered over terms of 1, 2, 3 or 5 years, during this terms savers have very restricted access to their savings, some accounts do allow early withdrawals but they tend to impose penalty charges for doing so. As with these accounts the rate of interest is fixed, savers can calculate exactly how much they stand to earn in interest over the ISA’s term from the outset.

How to transfer an ISA

Once a saver has identified the ISA they wish to move to and checked that the account accepts transfers. They need to contact provider of the ISA they wish to and complete and an ISA transfer form. Once this has been received the new provider will contact the current ISA provider and arrange for the transfer to be carried out, once the transfer has been completed the account holder will be notified by their new ISA provider. Industry guidelines state that transfers involving just Cash ISAs should be completed within 15 working days or 30 working days for transfers that involve an Investment ISA.

It is now possible to transfer between different types of ISA such as from an Investment ISA to a cash ISA or vice versa. 

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

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Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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