Compare our best instant access cash ISA rates
Is my money safe?
The FSCS guarantees that the first £85,000 you have saved with a registered bank or building society will be safe even if the business goes bust. However, we can't guarantee that all non-affiliated products on our panel are covered by the FSCS.
17 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.
Which? Recommended Provider Savings Accounts November 2024.
Moneybox Cash ISA
Term
Easy access
Open with
£500
Interest rate
5.46% AER variable inc. 1.51% fixed bonus for 3 months
Protection scheme
FSCS
ISA transfers in
Accepted
Rate drops to 4.20% after first 3 months. Subject to T&Cs. 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
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £500 | 3.95% | 5.46% | 3.95% | 5.46% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Moneyfarm Cash ISA
Term
Easy access
Open with
£500
Interest rate
4.84% AER variable inc. 0.7% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
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 3.94% AER
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £500 | 4.14% | 4.84% | 4.14% | 4.84% |
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
Term
Easy access
Open with
£1
Interest rate
4.8% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
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.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 4.689% | 4.689% | 4.8% | 4.8% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Moneybox Open Access Cash ISA
Term
Instant access
Open with
£500
Interest rate
4.6% AER variable inc. 0.85% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
Rate drops to 4% after first 12 months. subject to T&Cs. 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 | 3.75% | 4.6% | 3.75% | 4.6% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Hargreaves Lansdown Active Savings Atom Bank - Easy Access ISA
Term
Instant access
Open with
£1
Interest rate
4.4% AER variable
Protection scheme
FSCS
ISA transfers in
Not accepted
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 |
Chip Clearbank - Cash ISA
Term
Instant access
Open with
£1
Interest rate
4.33% AER BBR tracker inc. 0.27% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
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 | 3.99% | 4.25% | 4.06% | 4.33% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Aldermore Reward ISA Single Access Account Issue 2
Term
Easy access
Open with
£100
Interest rate
4.2% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
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% | 4.2% | 2.9% | 4.2% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £100 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Hargreaves Lansdown Active Savings UBL UK - Easy Access ISA
Term
Instant access
Open with
£1
Interest rate
4.18% AER variable
Protection scheme
FSCS
ISA transfers in
Not accepted
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 | 4.1% | 4.1% | 4.18% | 4.18% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Aldermore Reward ISA Double Access (Issue 2)
Term
Easy access
Open with
£100
Interest rate
4.15% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
If 3 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% | 4.15% | 2.9% | 4.15% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £100 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Wealthify, an Aviva company, Cash ISA
Term
Instant access
Open with
£1
Interest rate
4.07% AER BBR tracker
Protection scheme
FSCS
ISA transfers in
Accepted
Product powered by ClearBank. Interest paid monthly
The tax treatment of your savings will depend on your individual circumstances and may change in the future.
No notice, withdrawal restrictions, penalties, charges or bonus rates apply.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 4% | 4% | 4.07% | 4.07% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Permanent UK Resident |