Santander Cash ISAs
Latest Cash ISA Deals
Compare Santander ISAs with latest deals in the market.
- 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
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- 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: £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
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- Term: 1 Year
- Invest From: £1,000
Interest paid annually. ISA transfers not currently allowed in. Open and manage online. 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: £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: £1,000
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: £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: £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: 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: £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 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: £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
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- 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: £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: £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: £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 270 days’ loss of 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: £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
- Term: 5 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 360 days’ loss of interest
Santander Cash ISAs
Santander offers a variety of cash ISAs, depending on the customer’s needs and budget. Current choices include:
- Direct ISA
- Fixed rate ISA
- Easy ISA
With savings rates at record lows it pays to use your ISA allowance to avoid paying any tax – benefits of a cash ISA include:
Benefits of a cash ISA
There are a number of benefits to a cash ISA:
- No income tax – you don’t pay tax on any interest you earn from the cash in your ISA
- Easy access to your ISA – if you choose an instant access cash ISA (rather than a fixed-rate cash ISA) it’s a convenient way to save at a good interest rate while retaining fast and easy access to your money, should you need it
- No need to declare to HMRC – you don’t need to declare your cash ISA on your tax return
- Straightforward to transfer – you can transfer your cash ISA to a different ISA provider to get a better rate of return
Stocks and Shares ISAs
In addition to a variety of cash ISAs, Santander also offers a range of Investment ISA options, giving you the opportunity to gain a greater potential return on your money. Of course, investments can either grow or fall in price, and therefore, the better potential return is weighed against the possible risks associated with the investment.
Whether you are seeking a cash ISA to save your money or an investment ISA with a greater possible return, Santander may just have the right product for you.
History
Santander is a relative newcomer to the British savings market, although its history in Europe, Latin America and other areas of the world dates back much further. The acquisition of Abbey National in 2004, as well as the acquisitions of Bradford & Bingley and Alliance and Leicester in 2008, brought this large global bank into the UK financial market.
Current Information
Today, Santander has more than 1,300 branches across the UK, and customers can bank over the phone or online. Santander is the third largest deposit taker and second largest lender in the UK. The company is based in Spain, but has branches across the globe in numerous countries, including South America and the U.S. The UK division of Santander offers a wide range of products, including loans, insurance, credit cards and savings accounts.