Compare our best instant access cash ISA rates
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.
14 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.
Moneybox Cash ISA
Term
Easy access
Open with
£500
Interest rate
4.39% AER variable inc. 0.94% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
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 rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £500 | 3.4% | 4.3% | 3.45% | 4.39% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Plum Cash ISA
Term
Instant access
Open with
Any amount
Interest rate
4.36% AER variable on £1+ inc. 1.82% 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 | 2.52% | 4.32% | 2.54% | 4.36% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
Moneybox Open Access Cash ISA
Term
Instant access
Open with
£500
Interest rate
4.1% AER variable inc. 0.85% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
Enjoy unlimited withdrawals. Rate drops to 3.25% 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 | 3.2% | 4.02% | 3.25% | 4.1% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Aldermore Reward ISA Single Access Account Issue 8
Term
Easy access
Open with
£100
Interest rate
4% 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% | 2.9% | 4% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £100 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Aldermore Reward ISA Double Access (Issue 6)
Term
Easy access
Open with
£100
Interest rate
3.9% 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% | 3.9% | 2.9% | 3.9% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £100 |
| 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 |
Skipton Bonus Cash ISA Saver Issue 17
Term
Instant access
Open with
£1
Interest rate
3.85% AER variable inc. 1.8% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
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 | 2.05% | 3.85% | 2.05% | 3.85% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| 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
3.8% 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 | |
| £10 | 3.73% | 3.73% | 3.8% | 3.8% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £10 |
| 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 |
Hargreaves Lansdown Active Savings Monument - Easy Access ISA
Term
Instant access
Open with
£1
Interest rate
3.75% 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 | 3.69% | 3.69% | 3.75% | 3.75% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |