Can I take money out of a cash ISA and put it back in again?

Whether you can take money out of a cash ISA and put it back in again depends on which kind of account and provider you choose. Some ISAs let you withdraw money and replace it during the same tax year without using up any more of your ISA allowance.

Can I have an ISA if I have bad credit?

Yes, you can have an ISA if you have bad credit as your finances are not checked when you open a savings account. If you need help choosing the right savings account, read this guide.

Do I have to tie my money up to save?

No, you can choose how much access you have to your money by picking the right savings account.

Is a cash ISA a safe place for my money?

When you've found the best cash ISA rates and the best cash ISA for you, you can start saving your money knowing it's safe. Most banks are backed by the Financial Services Compensation Scheme (FSCS). This scheme protects your money up to £85,000, per financial institution that you bank with (not per account).

What is the difference between AER and gross Interest?

The AER, or Annual Equivalent Rate, is the rate of interest you will earn in a year including fees, bonuses and compounding. Gross interest, or the gross interest rate, is what you earn when you first open your account. It does not consider compounding, fees, bonuses and time.

Compare our best Cash ISA rates

Get tax-free interest on your savings with a Cash ISA. Whether you're looking to save £20 or £20,000 a year, our best ISAs have a range of rates, terms and access options to suit your circumstances.

38 results found, sorted by highest interest rate. We always order products with our partners first and we may receive a small commission if you click on the deal and then purchase it. Find out how we order our comparisons.

Plum Cash ISA

4.86% AER variable on £100+ inc. 1.57% fixed bonus for 12 months

Rate includes a Plum bonus of 1.47% AER (variable) if kept for 12 consecutive months and is for new customers only. The interest rate for ISA transfers is 3.29% AER (variable). Interest on our Cash ISA varies. This is the rate from 24/07/25. ISA rules and T&Cs apply. Plum is not a bank.

Tax treatment depends on your personal circumstances and is subject to change

If more than 3 withdrawals are made in the initial 12 month period, the rate payable will drop to a lower rate from the date of the 4th withdrawal. If a withdrawal is made mid-month, no interest will be paid for that month.

More Information

Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	3.29%	3.29%	3.29%	3.29%
£100	3.29%	4.86%	3.29%	4.86%

Eligibility

Maximum Age	Unlimited
Minimum Age	18 years
Permanent UK Resident

Moneybox Cash ISA

4.8% AER variable inc. 0.85% fixed bonus for 12 months

Rate drops to 3.95% after first 12 months. ISA & tax rules apply. A lower interest rate of 0.75% AER (variable) applies whenever your account balance is less than £500. It also applies for the rest of your current 12-month period from your fourth withdrawal. The number of withdrawals permitted will reset on the anniversary of the account opening date

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Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£500	3.88%	4.7%	3.95%	4.8%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£500
Minimum Age	18 years
Permanent UK Resident

Earn up to £100 cashback when you transfer in a minimum of £10,000 before 31 July

Moneybox Open Access Cash ISA

4.65% AER variable inc. 0.9% fixed bonus for 12 months

Rate drops to 3.75% after first 12 months. ISA & tax rules apply. A lower interest rate of 0.75% AER (variable) applies whenever your account balance is less than £500.

More Information

Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£500	3.69%	4.55%	3.75%	4.65%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£500
Minimum Age	18 years
Permanent UK Resident

Best underlying interest rate - no introductory bonus or withdrawal penalties

Tembo Easy Access Cash ISA

No introductory rates or withdrawal penalty charges apply. Tembo savings account holders get free access to the award-winning Tembo mortgage advice service, saving up to £749 fee – subject to holding a minimum balance for 3 months prior to home purchase or remortgage.

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Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£10	4.536%	4.536%	4.64%	4.64%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£10
Minimum Age	18 years
Permanent UK Resident

Hargreaves Lansdown Active Savings Atom Bank - Easy Access ISA

No notice, penalty, or charge applies.

More Information

Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	4.31%	4.31%	4.4%	4.4%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£1
Minimum Age	18 years
Minimum Monthly Investment	£1
Permanent UK Resident

Aldermore Reward ISA Single Access Account Issue 3

If 2 or more withdrawals are made then the bonus reduces for the rest of the anniversary year and will reset on the anniversary of account opening.

More Information

Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£100	2.9%	4.4%	2.9%	4.4%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£100
Minimum Age	18 years
Permanent UK Resident

Hargreaves Lansdown Active Savings Chetwood Bank - 1 Year Fixed Term ISA

Withdrawals are not permitted during the term. Closure is permitted subject to 90 days loss of interest.

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Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1,000	4.35%	4.35%	4.35%	4.35%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£1,000
Minimum Age	18 years
Permanent UK Resident

Chip Clearbank - Cash ISA

4.33% AER BBR tracker inc. 1.03% fixed bonus for 12 months

Only bank accounts from certain providers will work with the Chip App. This savings product is only for Chip users.

No notice, penalty, or charge applies.

More Information

Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	3.25%	4.25%	3.3%	4.33%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£1
Minimum Age	18 years
Permanent UK Resident

Paragon 15 Month Fixed Rate Cash ISA

Withdrawals and closure are permitted subject to 120 days interest penalty.

More Information

Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£500	4.27%	4.27%	4.28%	4.28%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£500
Minimum Age	18 years
Permanent UK Resident

Aldermore 1 Year Fixed Rate Cash ISA

Withdrawals and closure permitted subject to 90 days loss of interest penalty.

More Information

Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1,000	4.2%	4.2%	4.2%	4.2%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£1,000
Minimum Age	18 years
Permanent UK Resident

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What is a cash ISA?

A cash ISA is a type of savings account where the interest you earn is completely tax-free. It’s a popular choice for savers in the UK who want to grow their money without worrying about paying tax on the interest they earn.

Every tax year, you are given an ISA allowance – the maximum amount you can deposit into your ISAs without paying tax on the returns. You can divide your allowance across different types of ISAs, such as:

Cash ISAs
Stocks and shares ISAs
Innovative finance ISAs

However, the total deposits across all your ISAs cannot exceed £20,000 in a single tax year.

The main advantage of a cash ISA is that your savings and any interest earned remain tax-free for life for as long as the money stays in the account. This makes it a valuable tool for tax-efficient savings. If you have money to set aside, it’s worth considering using up your annual ISA allowance before each year’s tax deadline.

Who can get a cash ISA?

Any UK resident aged 16 or over can open a cash ISA. You must not have already saved into a different cash ISA in the same tax year or used up your ISA allowance.

If your child is under 16, they can't open an adult ISA and you can't open one for them. You'd have to open a junior cash ISA for them instead. They can't open an adult stocks and shares ISA or lifetime ISA until even later, when they turn 18.

Types of cash ISA

Before you do a comparison to find the best ISA rates, you'll need to decide what type of cash ISA you're looking for. All cash ISAs are tax free. There are lots of types to choose from, including:

Instant cash ISA

You can withdraw and put in money from your ISA allowance whenever you like.

Instant access cash ISA

Notice cash ISA

You will need to give to give notice to withdraw money from your account or you will be charged. This notice could be up to 60 days.

Notice cash ISA

Regular saver cash ISA

You commit to saving money every month in exchange for a higher interest rate.

Fixed-rate cash ISA

This gives you a good interest rate in exchange for you keeping your money there for a specific length of time, usually one to five years.

Fixed-rate cash ISA

Junior cash ISA

You can open one on behalf of your child. It has its own ISA allowance (£4,368), and can't be touched until your child turns 18 years old.

Junior cash ISA

Lifetime cash ISA

You can put in up to £4,000 a year and the government adds another 25%. You can withdraw to buy your first home or when you turn 60. Remember that you can’t open a LISA once you reach the age of 40.

Lifetime cash ISA

Why compare cash ISA deals with money.co.uk?

Comparing investment ISA accounts could save you money. Our multiple award-winning comparison service makes sure you get the lowest fees and rates possible based on your individual circumstances. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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