Santander Cash ISAs

Latest Cash ISA Deals

Compare Santander ISAs with latest deals in the market.

Cash ISA

from Plum

Interest Rate (AER) 5.17%
  • Term: Easy Access *Up to three withdrawals can be made within each 12-month without affecting the interest rate. More than three withdrawals made within each 12-month period, a lower rate of 3.00% (variable) will be applied
  • Invest From: £1
See Deal MARKET LEADING EASY ACCESS CASH ISA

Mobile App only account. *Includes a bonus of 0.88% AER (variable) if account held for 12 months. Transfer in any ISAs you hold with other providers. Interest rates drop if more than three withdrawals per year. Covered by FSCS. Rate when you transfer in your existing ISA – 4.29% AER (variable). Rate for each 12-month period after your first 12 months – 4.29% AER (variable). Rate when balance drops below £100 or after your fourth annual withdrawal – 3.00% AER (variable). Must be UK resident and be aged 18 or older

Limited Issue Online Easy Access Cash ISA

from Leeds Building Society

Interest Rate (AER) 4.75%
  • 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

Cash ISA

from Moneybox

Interest Rate (AER) 4.75%
  • Term: Easy Access. *Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate. More than three withdrawals made within each 12-month period, a lower rate of 0.75% (variable) will be applied
  • Invest From: £500

Mobile App only account. *The Moneybox Cash ISA includes a 4.25% AER variable underlying rate and a bonus rate of 0.50% for the first 12 months. Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate. Transfer in any ISAs you hold with other providers into a Moneybox Cash ISA, entirely in-app. Covered by FSCS. If more than three withdrawals made within each 12-month period, a lower rate of 0.75% (variable) will be applied for the rest of that 12-month period. The lower interest rate of 0.75% will also apply if the account balance dips below £500, automatically returning to the higher interest rate when the balance returns to £500 or more again. Must be UK resident and be aged 18 or older

Easy Access Cash ISA

from Aldermore

Interest Rate (AER) 4.25%
  • Term: Easy Access
  • Invest From: £1,000

Interest paid monthly or 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

30 Day Notice Cash ISA

from Aldermore

Interest Rate (AER) 4.50%
  • Term: Easy Access - 30 Day Notice
  • Invest From: £1,000

Unlimited deposits and withdrawals. ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older. Withdrawals subject to 30 days notice

E-ISA Instant Access Cash ISA

from Leeds Building Society

Interest Rate (AER) 2.45%
  • Term: Instant Access
  • Invest From: £1

Low minimum deposit. 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

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 4.65%
  • Term: 1 Year
  • Invest From: £1,000

ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older. Withdraw cash early if you need to (subject to loss of interest)

1 Year Fixed Rate Cash ISA

from Leeds Building Society

Interest Rate (AER) 4.65%
  • 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

1 Year Fixed Rate ISA

from NatWest

Interest Rate (AER) 4.45% Tax Free p.a. (Fixed)
  • Term: 1 Year
  • Invest From: £1,000

Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with NatWest Bank per tax year. Sole accounts only. Rate available until 5pm on 31/07/2024 for new customers and 05/08/2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. 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. ISA subscription limits apply. 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, except for a NatWest Help to Buy: ISA. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.

1 Year Fixed Rate ISA

from Royal Bank of Scotland

Interest Rate (AER) 4.45% Tax Free p.a. (Fixed)
  • Term: 1 Year
  • Invest From: £1,000

Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with RBS Bank per tax year. Sole accounts only. Rate available until 5pm on 14/08/2024 for new customers and 19/08/2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. 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. ISA subscription limits apply. 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 Royal Bank of Scotland. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.

2 Year Fixed Rate Cash ISA

from Leeds Building Society

Interest Rate (AER) 4.35%
  • 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

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 4.30%
  • Term: 2 Years
  • Invest From: £1,000

ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older. Withdraw cash early if you need to (subject to loss of interest)

2 Year Fixed Rate ISA

from NatWest

Interest Rate (AER) 4.10% Tax Free p.a. (Fixed)
  • Term: 2 Years
  • Invest From: £1,000

Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with NatWest Bank per tax year. Sole accounts only. Rate available until 5pm on 31/07/2024 for new customers and 05/08/2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. 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. ISA subscription limits apply. 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, except for a NatWest Help to Buy: ISA. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.

2 Year Fixed Rate ISA

from Royal Bank of Scotland

Interest Rate (AER) 4.10% Tax Free p.a. (Fixed)
  • Term: 2 Years
  • Invest From: £1,000

Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with RBS Bank per tax year. Sole accounts only. Rate available until 5pm on 14/08/2024 for new customers and 19/08/2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. 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. ISA subscription limits apply. 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 Royal Bank of Scotland. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.

3 Year Fixed Rate Cash ISA

from Leeds Building Society

Interest Rate (AER) 4.15%
  • 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 240 days lost interest

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 4.05%
  • Term: 3 Years
  • Invest From: £1,000

ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older. Withdraw cash early if you need to (subject to loss of interest)

Santander Cash ISAs

Santander offers a variety of cash ISAs, depending on the customer’s needs and budget. Current choices include:

  1. Direct ISA
  2. Fixed rate ISA
  3. 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:

  1. No income tax – you don’t pay tax on any interest you earn from the cash in your ISA
  2. 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
  3. No need to declare to HMRC – you don’t need to declare your cash ISA on your tax return
  4. 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.