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.
Our comparison dashboard covers four types of Cash ISA: Easy Access, 1-Year Fixed, 2-Year Fixed and Longer-Term FixedEach category has its own snapshot, helping you compare different savings options without having to search through individual provider websites.
How to use our Cash ISA comparisons
Each of the four cards highlights the highest advertised interest rate (AER) among the products included in our latest comparison, together with the provider and product offering that rate. You'll also see the average rate across the five highest-rate products we're tracking, giving you additional context when comparing offers.
If a particular product interests you, select the gold "View product" button to visit the provider's website and explore the account in more detail.
Alternatively, use the green "Explore top-performing ISAs" button at the bottom of each card to open the dedicated category page. There, you can compare up to five leading products, review their rates and account conditions, explore historical interest-rate trends and read practical guidance about that type of Cash ISA.
Choosing the right account for you
The highest interest rate isn't always the best choice. Consider how easily you can access your savings, whether the interest rate is fixed or variable, minimum deposit requirements and any withdrawal penalties before deciding.
Important: Our comparisons cover a selection of accounts rather than the entire UK market. When current rate information is unavailable, we retain previously listed products and historical analysis where permitted, clearly identifying information that is no longer current. Always confirm the latest rates, availability and terms directly with the provider before applying.
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.
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: 8 Nov 2026, 12:40 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: 8 Nov 2026, 12:40 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: 8 Nov 2026, 12:40 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: 8 Nov 2026, 12:40 UTC.
Explore top-performing Longer-Term Fixed ISAs →Interested in advertising on CashISA?
Connect with people researching Cash ISA rates, savings products and financial information. Contact us to discuss advertising and partnership opportunities.
Cash ISA Savings Calculator
Compare potential returns using your own savings figures, or select an ISA from the comparison cards above to automatically apply its advertised interest rate and term.
CASHISA SAVINGS TOOL
See how your Cash ISA could grow
Explore the effect of existing ISA savings, new deposits, regular savings and annual interest rate. Adjust the figures to see an illustrative projection instantly.
Your savings plan
Money already held in ISAs, not a new contribution. For a product-specific projection, include only funds eligible for that product.
Include subscriptions to other ISAs; these are not added to the projected balance.
Your savings over time
5 years
How we calculate: This illustration assumes the AER stays unchanged, interest compounds at an equivalent monthly rate, and monthly deposits are made at the end of each month. Real accounts may calculate or pay interest differently. Fixed-rate products may not allow additional deposits, and variable rates can change.
For illustration only, not a savings quote or financial advice. The calculator does not apply tax, inflation, withdrawals, fees or future changes to ISA rules. The £20,000 allowance is used as an illustrative assumption for future tax years; check the rules applicable to you. Check current ISA allowances and eligibility before subscribing.
Top Easy Access ISAs
Access your savings when you need them, although withdrawal conditions and interest rates can vary between providers.
| 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 verified8 Nov 2026, 01:17 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 verified8 Nov 2026, 01:12 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Chip | Smart Cash ISA | 4.72% | Instant | £1.00 | |
ProductSmart Cash ISA AccessInstant Minimum deposit£1.00 Interest typeVariable Limited withdrawals Transfers inY Rate last verified8 Nov 2026, 01:14 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Plum | Plum Cash ISA | 4.71%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 rate2.17% Bonus duration12 months Bonus termsRate includes a Plum bonus if kept for 12 consecutive months and other conditions are met. Rate last verified8 Nov 2026, 12:32 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Ecology Building Society | Ecology Double Access Cash ISA | 4.65%Includes promotional bonus — check eligibility and provider terms | Instant | £50.00 | |
ProductEcology Double Access Cash ISA AccessInstant Minimum deposit£50.00 Interest typeVariable Limited withdrawals Transfers inY Bonus rate1.60% Bonus durationUntil 30 November 2027 Rate last verified8 Nov 2026, 01:02 UTC Product informationView on DepositScout | |||||
List last checked: 8 Nov 2026, 12:40. 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 |
|---|---|---|---|---|---|
| Tandem Bank | 1 Year Fixed Rate Cash ISA | 5.03% | 1 Year | £1.00 | |
Product1 Year Fixed Rate Cash ISA Access1 Year Minimum deposit£1.00 Interest typeFixed Fixed term1 Year Term (months)12 Transfers inY Rate last verified8 Nov 2026, 01:25 UTC Product informationView on DepositScout Official provider destinationVisit provider website | |||||
| Shawbrook | 1 Year Fixed Rate Plus Cash ISA | 5.02% | 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 verified8 Nov 2026, 01:29 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Castle Trust Bank | 1 year Fixed Rate e-Cash ISA | 5.01% | No access until maturity | £1,000.00 | |
Product1 year Fixed Rate e-Cash ISA AccessNo access until maturity Minimum deposit£1,000.00 Interest typeFixed Fixed term1 Year Term (months)12 Transfers inY Rate last verified8 Nov 2026, 01:28 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| 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 verified8 Nov 2026, 01:23 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Kent Reliance | One Year Fixed Rate Cash ISA | 4.99% | 1 Year | £1,000.00 | |
ProductOne Year Fixed Rate Cash ISA Access1 Year Minimum deposit£1,000.00 Interest typeFixed Fixed term1 Year Term (months)12 Transfers inY Rate last verified8 Nov 2026, 01:25 UTC Product informationView on DepositScout | |||||
List last checked: 8 Nov 2026, 12:40. 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 | 5.16% | 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 verified8 Nov 2026, 01:29 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| RCI Bank | 2 Year Fixed Term Cash ISA | 5.15% | 2 Years | £1,000.00 | |
Product2 Year Fixed Term Cash ISA Access2 Years Minimum deposit£1,000.00 Interest typeFixed Fixed term2 Years Term (months)24 Transfers inY Rate last verified8 Nov 2026, 01:18 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Shawbrook | 2 Year Fixed Rate Plus Cash ISA | 5.12% | 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 verified8 Nov 2026, 01:29 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Tandem Bank | 2 Year Fixed Rate Cash ISA | 5.12%Rate not recently verified | 2 Years | £1.00 | |
Product2 Year Fixed Rate Cash ISA Access2 Years Minimum deposit£1.00 Interest typeFixed Fixed term2 Years Term (months)24 Transfers inY Rate last verified6 Nov 2026, 01:57 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 verified8 Nov 2026, 01:08 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
List last checked: 8 Nov 2026, 12:40. 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 verified8 Nov 2026, 01:17 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 verified8 Nov 2026, 01:08 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Tandem Bank | 3 Year Fixed Rate Cash ISA | 5.16%Rate not recently verified | 3 Years | £1.00 | |
Product3 Year Fixed Rate Cash ISA Access3 Years Minimum deposit£1.00 Interest typeFixed Fixed term3 Years Term (months)36 Transfers inY Rate last verified6 Nov 2026, 02:23 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 verified8 Nov 2026, 01:30 UTC Product informationView on DepositScout Official provider destinationVisit product page | |||||
| Kent Reliance | Three Year Fixed Rate Cash ISA | 5.15% | 3 Years | £1,000.00 | |
ProductThree Year Fixed Rate Cash ISA Access3 Years Minimum deposit£1,000.00 Interest typeFixed Fixed term3 Years Term (months)36 Transfers inY Rate last verified8 Nov 2026, 01:25 UTC Product informationView on DepositScout | |||||
List last checked: 8 Nov 2026, 12:40. 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.
How to use the Cash ISA calculator
Our calculator helps you explore how your Cash ISA savings could grow. Follow these three simple steps to compare different savings scenarios.
Enter your savings
Add your existing ISA balance, any new deposit and optional monthly contributions. You can also record contributions already made this tax year to help estimate your remaining ISA allowance.
Choose a rate or Cash ISA
Adjust the interest rate and savings period yourself, or select "Calculate returns" on one of our comparison cards to automatically apply that product's advertised rate and term.
Explore your results
See your projected savings balance, estimated interest earned and how your savings could grow over time. Change your figures to explore different scenarios.
Your savings
Enter balances and deposits
Your choices
Select a rate and period
Your projection
Explore potential returns
Understanding your calculator results
Our calculator provides an illustration of how your Cash ISA savings could grow, based on the amounts, interest rate and savings period you select.
How interest is calculated
We use the Annual Equivalent Rate (AER) to estimate savings growth, assuming an equivalent monthly compounding rate. Actual returns may differ depending on how and when the provider calculates and pays interest.
Fixed and variable rates
Variable interest rates can change over time. Fixed-rate Cash ISAs generally offer a guaranteed rate for a specified period, but may restrict additional deposits or early withdrawals
.Your ISA allowance
Existing ISA savings and interest earned do not normally count towards your annual ISA subscription allowance. Our calculator provides an illustrative check of new contributions, but you should confirm the applicable tax-year rules and your personal circumstances.
These calculations are illustrative, not personal financial advice. Always check the provider's current terms before opening or funding an account.
Your privacy
Your privacy matters to us. The CashISA savings calculator is designed to help you explore savings scenarios without requiring an account or personal details.
How your information is used
The savings figures you enter are used to calculate your estimated returns directly in your browser. They are not submitted to CashISA's server or stored in our website database.
Remembering your figures
To make comparing Cash ISAs easier, the calculator temporarily remembers your savings figures within the same browser tab. This means you can explore different products without repeatedly entering your information.
This information is held in your browser's session storage and is normally cleared when you close the tab or window.
You're in control
You can change your figures at any time or use
Reset example to clear your saved calculator inputs.
The calculator does not require your name, email address or bank account details.
For more information about how the wider CashISA website handles data, please see our Privacy Policy.
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 whenever needed, subject to account terms | Often restricted or subject to interest penalties | Advance notice normally required |
| Interest rate | Usually variable | Fixed for an agreed term | Usually variable |
| Typical commitment | No fixed term, although account conditions may apply | Commonly 1–5 years, depending on the product | Often 30, 60 or 90 days' notice |
| Rate certainty | Interest rate can rise or fall | Agreed rate remains fixed throughout the term | Interest rate can rise or fall |
| Early access | Generally available, sometimes with withdrawal limits | May involve substantial interest penalties | May be restricted or subject to penalties without notice |
| Minimum deposit | Varies by provider and account | Varies by provider and account | Varies by provider and account |
| Best suited to | Emergency savings and money you may need soon | Savings you can leave untouched for an agreed period | Savings you do not need immediately |
| Main consideration | Withdrawal limits and potential rate reductions | Length of commitment and early-access penalties | Notice periods 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, regardless of how much interest your savings generate.
This is one of the main differences between a Cash ISA and an ordinary savings account. With a standard savings account, interest may become taxable if it exceeds your Personal Savings Allowance, which depends on your income tax band. Additional-rate taxpayers do not receive a Personal Savings Allowance.
Cash ISA interest does not count towards that allowance, making ISAs particularly useful for people with substantial savings or those who expect to earn more interest in the future.
However, a Cash ISA isn't automatically the best-paying savings option. Some ordinary savings accounts offer higher interest rates, and depending on your tax position, you may still earn interest tax-free outside an ISA.
It's worth comparing the interest you would actually keep after any tax, rather than looking at the advertised rate alone.
Can I withdraw money from a Cash ISA?
That depends on the type of Cash ISA you choose and the provider's terms.
Easy access Cash ISAs generally allow withdrawals whenever you need your money. However, some accounts limit the number of withdrawals or reduce the interest rate if you withdraw too frequently.
Fixed-rate Cash ISAs usually require you to leave your savings untouched for an agreed period, commonly between one and five years. Early access may be possible, but providers can impose substantial interest penalties or require you to close the account.
Another important consideration is whether your ISA is flexible. With a flexible Cash ISA, you can normally withdraw money and replace it within the same tax year without the replacement counting towards your annual ISA allowance, subject to the applicable rules.
Not every Cash ISA offers this feature.
Before opening an account, check the withdrawal restrictions, potential penalties and whether the ISA is flexible.
Is a Cash ISA better than a normal savings account?
Neither option is automatically better. The right choice depends on your savings balance, tax position, the interest rates available and how you intend to use your money.
A Cash ISA offers the advantage of tax-free interest. This can become increasingly valuable as your savings grow, particularly if the interest earned outside an ISA would exceed your Personal Savings Allowance.
An ordinary savings account may sometimes offer a higher interest rate. If your interest remains within your available tax-free allowance, that account could provide a better return.
For example, someone with a relatively small savings balance might benefit more from choosing the highest available interest rate, whether or not the account is an ISA. Someone with larger savings could place greater value on the long-term tax protection an ISA provides.
Cash ISAs also allow you to retain tax-free savings across multiple tax years, subject to the ISA rules.
The most useful comparison is between the rates, access conditions and potential tax consequences of each account.
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.