Compare our best instant access cash ISA rates
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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.
12 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
4.28% AER variable on £1+ inc. 1.49% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
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 rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 2.79% | 4.28% | 2.79% | 4.28% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
Aldermore Reward ISA Single Access Account Issue 7
Term
Easy access
Open with
£100
Interest rate
4.15% 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% | 4.15% | 2.9% | 4.15% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £100 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Hargreaves Lansdown Active Savings Monument - Easy Access ISA
Term
Instant access
Open with
£1
Interest rate
4.06% 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 | 3.99% | 3.99% | 4.06% | 4.06% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Skipton Annual Allowance Cash ISA Issue 4
Term
Instant access
Open with
£1
Interest rate
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% | 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 Double Access (Issue 5)
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 rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £100 | 2.9% | 4% | 2.9% | 4% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £100 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Which? Recommended Provider Savings Accounts November 2024
Moneybox Cash ISA
Term
Easy access
Open with
£500
Interest rate
4% AER variable inc. 0.3% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
Rate drops to 3.70% after first 12 months. ISA & tax rules apply. Rate includes a Moneyfarm bonus of 0.5% 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.
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. 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 | 3.64% | 3.93% | 3.7% | 4% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Hargreaves Lansdown Active Savings Atom Bank - Easy Access ISA
Term
Instant access
Open with
£1
Interest rate
3.85% 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 | 3.78% | 3.78% | 3.85% | 3.85% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Which? Recommended Provider Savings Accounts November 2024
Moneybox Open Access Cash ISA
Term
Instant access
Open with
£500
Interest rate
3.8% AER variable inc. 0.3% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
Enjoy unlimited withdrawals. Rate drops to 3.50% AER (variable) 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.
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 | |
| £500 | 3.45% | 3.74% | 3.5% | 3.8% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Marcus by Goldman Sachs Cash ISA
Term
Instant access
Open with
£1
Interest rate
3.75% AER variable inc. 0.49% fixed bonus for 12 months
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 | 3.19% | 3.69% | 3.24% | 3.75% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Paragon Triple Access ISA (Issue 17)
Term
Easy access
Open with
£1
Interest rate
3.51% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
If more than 3 withdrawals are made in a 12 month period, the rate payable will drop from the date of the 4th withdrawal, with the 12 month period resetting 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 | |
| £1 | 1.25% | 3.51% | 1.25% | 3.51% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |