Make more of your tax-free savings.
Compare Cash ISA options, understand how tax-free savings work, and find clear, practical guidance to help you make more of your money.
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Cash ISA essentials
What is a Cash ISA?
A Cash ISA is a savings account that lets you earn interest without paying UK Income Tax on it. It's a straightforward way to protect your savings from tax while keeping your money in cash.
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How does a Cash ISA work?
You pay money into a Cash ISA and earn tax-free interest on your savings. You can choose between accounts offering easy access to your money or a fixed interest rate for a set period.
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Types of Cash ISA
From easy-access accounts to fixed-rate and notice ISAs, different options offer different levels of flexibility and interest rates. Understanding the differences can help you choose the right account.
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Compare Cash ISA rates
Compare Cash ISA interest rates from a selection of UK savings providers, using information sourced from DepositScout and checked regularly.
Explore easy-access, 1-year fixed, 2-year fixed and longer-term fixed Cash ISAs. Compare interest rates (AER), withdrawal conditions and minimum deposits to help find an account that suits your savings goals.
Rates are regularly checked and updated when new information is available. Our comparison covers a selection of accounts rather than the entire UK market. Always confirm the latest rates and terms with the provider before applying.
Top Easy Access ISAs
Access your savings when you need them, although withdrawal conditions and interest rates can vary between providers.
Easy Access Cash ISAs
Access your savings when you need them, although withdrawal conditions and interest rates can vary between providers.
Rates powered by DepositScout. Rates can change and this is not financial advice. Check eligibility and product terms. Last checked: 29 Oct 2026, 12:22 UTC.
Explore top-performing Easy Access ISAs →1-Year Fixed Cash ISAs
Fix your interest rate for one year. Early access may be restricted or subject to penalties.
Rates powered by DepositScout. Rates can change and this is not financial advice. Check eligibility and product terms. Last checked: 29 Oct 2026, 12:22 UTC.
Explore top-performing 1-Year Fixed ISAs →2-Year Fixed Cash ISAs
Fix your interest rate for two years. Check withdrawal restrictions and what happens at maturity.
Rates powered by DepositScout. Rates can change and this is not financial advice. Check eligibility and product terms. Last checked: 29 Oct 2026, 12:22 UTC.
Explore top-performing 2-Year Fixed ISAs →Longer-Term Fixed Cash ISAs
Lock in a rate for a longer period. Consider access restrictions and whether the term suits your plans.
Rates powered by DepositScout. Rates can change and this is not financial advice. Check eligibility and product terms. Last checked: 29 Oct 2026, 12:22 UTC.
Explore top-performing Longer-Term Fixed ISAs →| Provider | Product | AER | Access | Min. deposit | Details |
|---|---|---|---|---|---|
| eToro | Cash ISA | 4.94%Includes promotional bonus — check eligibility and provider terms | Instant | £500.00 | |
ProductCash ISA AccessInstant Minimum deposit£500.00 Interest typeVariable Limited withdrawals Transfers inY Bonus rate1.00% Bonus duration12 months Rate last verified29 Oct 2026, 12:17 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Chip | Smart Cash ISA | 4.86%Includes promotional bonus — check eligibility and provider terms | Instant | £1.00 | |
ProductSmart Cash ISA AccessInstant Minimum deposit£1.00 Interest typeVariable Limited withdrawals Transfers inY Bonus rate1.36% Rate last verified29 Oct 2026, 12:14 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Moneyfarm | Moneyfarm Cash ISA | 4.79%Includes promotional bonus — check eligibility and provider terms | Instant | £500.00 | |
ProductMoneyfarm Cash ISA AccessInstant Minimum deposit£500.00 Interest typeVariable Limited withdrawals Transfers inY Bonus rate1.17% Bonus duration12 months Rate last verified29 Oct 2026, 12:12 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Plum | Plum Cash ISA | 4.66%Includes promotional bonus — check eligibility and provider terms | Instant | £1.00 | |
ProductPlum Cash ISA AccessInstant Minimum deposit£1.00 Interest typeVariable Limited withdrawals Transfers inY Bonus rate2.12% Bonus duration12 months Bonus termsRate includes a Plum bonus if kept for 12 consecutive months and other conditions are met. Rate last verified29 Oct 2026, 12:07 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Moneybox | Moneybox Cash ISA | 4.53%Includes promotional bonus — check eligibility and provider terms | Instant | £500.00 | |
ProductMoneybox Cash ISA AccessInstant Minimum deposit£500.00 Interest typeVariable Limited withdrawals Transfers inY Bonus rate1.08% Bonus duration12 months Rate last verified29 Oct 2026, 12:07 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
List last checked: 29 Oct 2026, 12:22. Rates powered by DepositScout.
Top 1-Year Fixed ISAs
Lock your money away for around 12 months in return for a fixed interest rate. Early withdrawals may be restricted or subject to penalties.
| Provider | Product | AER | Access | Min. deposit | Details |
|---|---|---|---|---|---|
| Zopa | Smart ISA - Fixed Term Pot (1 Year) | 5.00% | 1 Year | £1.00 | |
ProductSmart ISA - Fixed Term Pot (1 Year) Access1 Year Minimum deposit£1.00 Interest typeFixed Fixed term1 Year Term (months)12 Transfers inY Rate last verified29 Oct 2026, 10:23 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Vanquis Bank | 1 Year Fixed Rate Cash ISA | 4.99% | 1 Year | £1,000.00 | |
Product1 Year Fixed Rate Cash ISA Access1 Year Minimum deposit£1,000.00 Interest typeFixed Fixed term1 Year Term (months)12 Transfers inY Rate last verified29 Oct 2026, 12:08 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| UBL UK | 1 Year Fixed Rate Cash ISA | 4.98% | 1 Year | £2,000.00 | |
Product1 Year Fixed Rate Cash ISA Access1 Year Minimum deposit£2,000.00 Interest typeFixed Fixed term1 Year Term (months)12 Transfers inY Rate last verified29 Oct 2026, 12:08 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Shawbrook | 1 Year Fixed Rate Plus Cash ISA | 4.97% | 1 Year | £10,000.00 | |
Product1 Year Fixed Rate Plus Cash ISA Access1 Year Minimum deposit£10,000.00 Interest typeFixed Fixed term1 Year Term (months)12 Transfers inY Rate last verified29 Oct 2026, 10:29 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Investec | Fixed Rate Cash ISA | 4.95% | No access until maturity | £1,000.00 | |
ProductFixed Rate Cash ISA AccessNo access until maturity Minimum deposit£1,000.00 Interest typeFixed Fixed term1 Year Term (months)12 Transfers inY Rate last verified29 Oct 2026, 12:11 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
List last checked: 29 Oct 2026, 12:22. Rates powered by DepositScout.
Top 2-Year Fixed ISAs
Fix your interest rate for approximately two years, providing certainty over your returns while limiting access to your savings.
| Provider | Product | AER | Access | Min. deposit | Details |
|---|---|---|---|---|---|
| Castle Trust Bank | 2 year Fixed Rate e-Cash ISA | 5.10% | No access until maturity | £1,000.00 | |
Product2 year Fixed Rate e-Cash ISA AccessNo access until maturity Minimum deposit£1,000.00 Interest typeFixed Fixed term2 Years Term (months)24 Transfers inY Rate last verified29 Oct 2026, 10:29 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| UBL UK | 2 Year Fixed Rate Cash ISA | 5.10% | 2 Years | £2,000.00 | |
Product2 Year Fixed Rate Cash ISA Access2 Years Minimum deposit£2,000.00 Interest typeFixed Fixed term2 Years Term (months)24 Transfers inY Rate last verified29 Oct 2026, 12:08 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Vanquis Bank | 2 Year Fixed Rate Cash ISA | 5.10% | No access until maturity | £1,000.00 | |
Product2 Year Fixed Rate Cash ISA AccessNo access until maturity Minimum deposit£1,000.00 Interest typeFixed Fixed term2 Years Term (months)24 Transfers inY Rate last verified29 Oct 2026, 12:08 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Close Brothers Savings | 2 Year Fixed Rate Cash ISA | 5.07% | 2 Years | £10,000.00 | |
Product2 Year Fixed Rate Cash ISA Access2 Years Minimum deposit£10,000.00 Interest typeFixed Fixed term2 Years Term (months)24 Transfers inY Rate last verified29 Oct 2026, 10:24 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Shawbrook | 2 Year Fixed Rate Plus Cash ISA | 5.06% | 2 Years | £10,000.00 | |
Product2 Year Fixed Rate Plus Cash ISA Access2 Years Minimum deposit£10,000.00 Interest typeFixed Fixed term2 Years Term (months)24 Transfers inY Rate last verified29 Oct 2026, 10:29 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
List last checked: 29 Oct 2026, 12:22. Rates powered by DepositScout.
Top Longer-Term Fixed ISAs
Explore fixed-rate Cash ISAs with terms longer than two years. These may offer predictable returns but require a longer commitment.
| Provider | Product | AER | Access | Min. deposit | Details |
|---|---|---|---|---|---|
| Aldermore | 5 Year Fixed Rate Cash ISA | 5.25% | 5 Years | £1,000.00 | |
Product5 Year Fixed Rate Cash ISA Access5 Years Minimum deposit£1,000.00 Interest typeFixed Fixed term5 Years Term (months)60 Transfers inY Rate last verified29 Oct 2026, 12:16 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Shawbrook | 5 Year Fixed Rate Cash ISA | 5.25% | 5 Years | £1,000.00 | |
Product5 Year Fixed Rate Cash ISA Access5 Years Minimum deposit£1,000.00 Interest typeFixed Fixed term5 Years Term (months)60 Transfers inY Rate last verified29 Oct 2026, 10:27 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| UBL UK | 5 Year Fixed Rate Cash ISA | 5.25% | 5 Years | £2,000.00 | |
Product5 Year Fixed Rate Cash ISA Access5 Years Minimum deposit£2,000.00 Interest typeFixed Fixed term5 Years Term (months)60 Transfers inY Rate last verified29 Oct 2026, 12:08 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Castle Trust Bank | 3 year Fixed Rate e-Cash ISA | 5.15% | No access until maturity | £1,000.00 | |
Product3 year Fixed Rate e-Cash ISA AccessNo access until maturity Minimum deposit£1,000.00 Interest typeFixed Fixed term3 Years Term (months)36 Transfers inY Rate last verified29 Oct 2026, 10:30 UTC Product informationView on DepositScout Official provider destinationVisit provider website | |||||
| UBL UK | 3 Year Fixed Rate Cash ISA | 5.15% | 3 Years | £2,000.00 | |
Product3 Year Fixed Rate Cash ISA Access3 Years Minimum deposit£2,000.00 Interest typeFixed Fixed term3 Years Term (months)36 Transfers inY Rate last verified29 Oct 2026, 12:08 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
List last checked: 29 Oct 2026, 12:22. Rates powered by DepositScout.
Rates powered by DepositScout and ranked by AER among the accounts returned. Our comparison covers a selection of products, not the whole UK market. Rates, eligibility and terms may change; verify details and deposit protection with the provider before applying.
Some links may become affiliate links in future; if introduced, we will disclose this clearly. Affiliate relationships will not determine the order of rates.
Which type of Cash ISA is right for you?
Different Cash ISAs offer different levels of flexibility. Whether you're saving for an emergency, a future purchase or a longer-term goal, understanding the options can help you choose an account that suits your needs.
Easy-access Cash ISAs
Easy-access Cash ISAs allow you to withdraw savings when needed, although some providers impose withdrawal restrictions. Interest rates are usually variable.
Fixed-rate Cash ISAs
Fixed-rate Cash ISAs offer a guaranteed interest rate for a set period. They may suit savers who can leave their money untouched, but early withdrawals can be restricted or penalised.
Notice Cash ISAs
Notice Cash ISAs require advance notice before withdrawing savings, often 30, 60 or 90 days. They offer another option for savers who don't need immediate access to their money.
Cash ISA types compared
| Feature | Easy access | Fixed rate | Notice |
|---|---|---|---|
| Withdrawals | Usually available anytime, subject to account terms | Often restricted or subject to penalties | Advance notice normally required |
| Interest rate | Usually variable | Fixed for an agreed term | Usually variable |
| Best suited to | Emergency savings | Savings you can leave untouched | Savings you don't need immediately |
| Main consideration | Withdrawal limits and rate changes | Early access restrictions | Notice period and withdrawal conditions |
Frequently asked questions about Cash ISAs
Are Cash ISAs tax-free?
Yes. Interest earned within a Cash ISA is free from UK Income Tax. This applies regardless of how much interest you earn within the account, provided you follow the ISA rules.
Can I have more than one Cash ISA?
Yes. You can hold multiple Cash ISAs and, under the current rules, contribute to more than one in the same tax year, subject to your annual allowance and provider conditions.
Should I choose a Cash ISA or a normal savings account?
That depends on the interest rates available and your tax position. Cash ISAs offer tax-free interest, while ordinary savings accounts may offer higher rates. Many savers can also earn interest tax-free outside ISAs through their Personal Savings Allowance.
Make confident choices about your savings
Whether you're opening your first Cash ISA or reviewing an existing account, understanding your options can help you make more of your money.
Explore our straightforward guides to Cash ISAs, tax-free savings and choosing an account that suits your needs.
Independent information to help you save smarter
CashISA.com provides independent information about Cash ISAs, savings accounts and UK savings rules. Our aim is to make it easier to understand your options and compare account features.
Interest rates and account terms can change, so always check the latest information directly with the provider before opening an account. Our comparisons may not include every product available in the market.
The information on this website is for general guidance and does not constitute personalised financial advice.
How we compare Cash ISAs
We aim to present Cash ISA information clearly, including interest rates, access restrictions and account features. Where rates are displayed, we will identify when the information was last updated. We do not rank accounts solely on their interest rates, as the right account depends on individual circumstances.