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Compare Cash ISAs /

​Best ISA Rates

Find the best interest rate ISA, to make the most of your tax free allowance this year.

5 Year Fixed Rate Cash ISA

from Leeds Building Society

Interest Rate (AER) 1.45%
  • Term: 5 Years
  • 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

Calculate your interest with this plan

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

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.35%
  • Term: 3 Years
  • £1,000 minimum opening balance

Calculate your interest with this plan

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

3 Year Fixed Rate Cash ISA

from Leeds Building Society

Interest Rate (AER) 1.20%
  • Term: 3 Years
  • 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 240 days lost interest

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) 1.20%
  • Term: 2 Year

3 Year Fixed Rate Cash ISA

from Hampshire Trust Bank

Interest Rate (AER) 1.16%
  • Term: 3 Years
  • 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)

2 Year Fixed Rate Cash ISA

from Hampshire Trust Bank

Interest Rate (AER) 1.06%
  • Term: 2 Years
  • 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)

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 0.95%
  • Term: 1 Year

16 Month Fixed Rate Cash ISA

from Leeds Building Society

Interest Rate (AER) 0.95%
  • Term: 16 Months
  • 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 105 days lost interest

Calculate your interest with this plan

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

1 Year Fixed Rate Cash ISA

from Hampshire Trust Bank

Interest Rate (AER) 0.85%
  • 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)

1 Year Fixed Rate Cash ISA

from Leeds Building Society

Interest Rate (AER) 0.80%
  • Term: 1 Year
  • 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 60 days lost interest

Calculate your interest with this plan

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

Online Easy Access Cash ISA

from Leeds Building Society

Interest Rate (AER) 0.60%
  • Term: Easy Access
  • 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

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)

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)

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)

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 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

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)

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)

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

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 Interest Rates

When trying to find the right Cash ISA for you, shopping around thoroughly to try and find the best cash ISA rates available may help you make your decision, you can use this website to compare a selection of ISAs from different providers.

Choosing an ISA

You can only open up to one, cash ISA in each tax year, although it may be possible to transfer accounts.

It is therefore important to try and find the Cash ISA product that best suits the way you wish to save, you may therefore want to considering things such as the minimum required opening balance for different accounts and whether you feel an instant access or fixed-rate ISA would be better for you.

  1. Instant Access Cash ISAs: Usually allow unlimited, free withdrawals from the account and deposits up to your maximum ISA allowance. This means savers can access their money relatively easy should they decide to use it for other things over the terms of the ISA. These types of account usually offer a variable rate of interest.
  1. Fixed Rate Cash ISAs: Typically require a saver to lock their money into the account for a predefined period of time. During this period of time savers have very restricted access to the money within the account, some accounts may allow early withdrawals however these types of account tend to impose a penalty, based up a set number of days worth of interest for doing so. In return for locking their cash into the account savers receive a fixed rate of interest, meaning it’s possible to calculate exactly how much they stand earn in interest from the ISA over its course. Fixed-rate ISAs tend be offered on a term of: 1, 2, 3 or 5 years.

Eligibility

In order to be eligible for a Cash ISA you must be:

  1. Aged at least 16 years old
  2. A resident of the UK, if you do not live in the UK then you must be either a Crown Servant or the spouse/civil partner of one.

Transfers

You can transfer an ISA at any time, and it is possible to transfer between different types of ISA such as from an Investment ISA to a Cash ISA or vice versa. While all providers are required to allow account holders to transfer out, they can place some restrictions on doing so or impose a penalty of a set amount of times worth of interest for doing so. 

ISA providers also do not have to allow transfers-in from other accounts, meaning that if you have been thinking of transferring you should first check that the ISA you wish to move to accepts transfers in.

ISA transfers should take no longer than 15 working days for a Cash ISA and 30 working days for a Stocks and Shares ISA. 

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk
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.