<Cash ISAs

Compare our best instant access cash ISA rates

fscs-logo
Is my money safe?
The FSCS guarantees that the first £120,000 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.
16 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

Term
Instant access
Open with
Any amount
Interest rate
4.66% AER variable on £1+ inc. 2.12% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Not accepted
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.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£12.52%4.62%2.54%4.66%
Eligibility
Maximum AgeUnlimited
Minimum Age18 years
Permanent UK Resident
Best underlying interest rate - no introductory bonus or withdrawal penalties

Tembo Easy Access Cash ISA

Term
Easy access
Open with
£10
Interest rate
4.55% AER variable inc. 1.15% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Not 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 rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£103.344%4.494%3.4%4.55%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£10
Minimum Age18 years
Permanent UK Resident

Moneyfarm Cash ISA

Term
Easy access
Open with
£500
Interest rate
4.31% AER variable inc. 0.82% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
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.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£5003.49%4.31%3.49%4.31%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£500
Minimum Age18 years
New Money
Permanent UK Resident

Hargreaves Lansdown Easy Access Cash ISA (powered by Shawbrook)

Term
Instant access
Open with
£1
Interest rate
4.3% AER variable
Protection scheme
FSCS
ISA transfers in
Not accepted
No notice, penalty, or charge applies.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£14.21%4.21%4.3%4.3%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1
Minimum Age18 years
Minimum Monthly Investment£1
Permanent UK Resident

Moneybox Cash ISA

Term
Easy access
Open with
£500
Interest rate
4.26% AER variable inc. 0.81% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Not accepted
Rate drops to 3.45% 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.
If more than 3 withdrawals are made in each 12 month period from account opening, the rate will drop to a lower rate from the date of the 4th withdrawal, for the remainder of that 12 month period.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£5003.4%4.18%3.45%4.26%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£500
Minimum Age18 years
Permanent UK Resident

Aldermore Reward ISA Single Access Account (Issue 9)

Term
Easy access
Open with
£100
Interest rate
4.11% 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 rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1002.9%4.11%2.9%4.11%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£100
Minimum Age18 years
Permanent UK Resident

Tesco Instant Access Cash ISA

Term
Instant access
Open with
£1
Interest rate
4.02% AER variable inc. 2.97% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
No notice, penalty, or charge applies.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£11.05%4.02%1.05%4.02%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1
Minimum Age18 years
Minimum Monthly Investment£1
Permanent UK Resident

Marcus by Goldman Sachs Cash ISA

Term
Instant access
Open with
£1
Interest rate
4.01% AER variable inc. 0.74% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Not accepted
No notice, penalty, or charge applies.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£13.19%3.94%3.24%4.01%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£1
Minimum Age18 years
Permanent UK Resident

Post Office Money Online ISA - Easy Access Issue 51

Term
Easy access
Open with
£100
Interest rate
4.01% AER variable inc. 3.11% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
There are no restrictions on the number of withdrawals that can be made to a Nominated Account. Additionally money can be moved at any time to either a new product (when available) or an existing product (providing additional payments are permitted) within the Online ISA. If this account is closed the whole Online ISA account has to be closed.
More Information
Rate Tiers
Gross rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1000.9%4.01%0.9%4.01%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£100
Minimum Age18 years
Minimum Monthly Investment£1
Permanent UK Resident

Aldermore Reward ISA Double Access (Issue 7)

Term
Easy access
Open with
£100
Interest rate
4% 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 rateGross rateAER rateAER rate
Excluding bonusIncluding bonusExcluding bonusIncluding bonus
£1002.9%4%2.9%4%
Eligibility
Maximum AgeUnlimited
Minimum Initial Deposit£100
Minimum Age18 years
Permanent UK Resident