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.

45 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

4.57% AER variable on £1+ inc. 2.03% fixed bonus for 12 months

Rate includes a Plum bonus of 1.41% AER (variable) if kept for 12 consecutive months and other conditions are met. After 12 months, the rate will be 3.04% AER (variable). Interest on our Cash ISA varies. This is the rate from 30/10/25. ISA rules and T&Cs apply. Plum is not a bank

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

No notice, penalty, or charge applies.

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Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£1	2.52%	4.53%	2.54%	4.57%

Eligibility

Maximum Age	Unlimited
Minimum Age	18 years
Permanent UK Resident

Best underlying interest rate - no introductory bonus or withdrawal penalties

Tembo Easy Access Cash ISA

4.55% AER variable inc. 1.75% fixed bonus for 12 months

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	2.8%	4.494%	2.8%	4.55%

Eligibility

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

Hargreaves Lansdown Active Savings Chetwood Bank - 5 Year Fixed Term ISA

Withdrawals are not permitted during the term. Closure is permitted subject to 360 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	4.5%	4.5%	4.5%	4.5%

Eligibility

Maximum Age	Unlimited
Minimum Initial Deposit	£1,000
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.

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Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£500	4.39%	4.39%	4.4%	4.4%

Eligibility

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

Hargreaves Lansdown Active Savings Chetwood Bank - 2 Year Fixed Term ISA

Withdrawals are not permitted during the term. Closure is permitted subject to 180 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	4.4%	4.4%	4.4%	4.4%

Eligibility

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

Hargreaves Lansdown Active Savings Chetwood Bank - 3 Year Fixed Term ISA

Withdrawals are not permitted during the term. Closure is permitted subject to 270 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	4.4%	4.4%	4.4%	4.4%

Eligibility

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

Hargreaves Lansdown Active Savings Vida Savings - 12 Month Fixed Rate 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
£500	4.37%	4.37%	4.37%	4.37%

Eligibility

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

Paragon 5 Year Fixed Rate ISA

Withdrawals and closure are permitted subject to 365 days interest penalty.

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Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£500	4.35%	4.35%	4.35%	4.35%

Eligibility

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

Moneyfarm Cash ISA

4.33% AER variable inc. 0.82% fixed bonus for 12 months

Rate drops to standard rate after first 12 months. ISA & tax rules apply. Rate includes a Moneyfarm bonus of 0.82% AER (variable) if kept for 12 consecutive months and is for new customers only. No notice, penalty or charge is made for withdrawals however only 3 withdrawals are permitted each calendar year, after the 4th the rate drops to the standard rate.

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Rate Tiers

	Gross rate	Gross rate	AER rate	AER rate
	Excluding bonus	Including bonus	Excluding bonus	Including bonus
£500	3.51%	4.33%	3.51%	4.33%

Eligibility

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

RCI Bank 2 Year Fixed Term Cash ISA Savings Account

Withdrawals and closure permitted subject to 180 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	4.32%	4.32%	4.32%	4.32%

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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