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.
Current rates are unavailable. Previously recorded products are not a current ranking; check rates, availability and terms directly with providers.
List last checked: 30 Oct 2026, 14:53 UTC · Rates powered by DepositScout.
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.
Current rates are unavailable. Previously recorded products are not a current ranking; check rates, availability and terms directly with providers.
List last checked: 30 Oct 2026, 14:53 UTC · Rates powered by DepositScout.
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.
Current rates are unavailable. Previously recorded products are not a current ranking; check rates, availability and terms directly with providers.
List last checked: 30 Oct 2026, 14:53 UTC · Rates powered by DepositScout.
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.
Current rates are unavailable. Previously recorded products are not a current ranking; check rates, availability and terms directly with providers.
List last checked: 30 Oct 2026, 14:53 UTC · Rates powered by DepositScout.
Explore top-performing Longer-Term Fixed ISAs →Top Easy Access ISAs
Access your savings when you need them, although withdrawal conditions and interest rates can vary between providers.
Current rates are unavailable. The products below were included when this list was last checked; they are not a current ranking. Check directly with the provider for today’s rates, availability and terms.
| Provider | Product | Provider website |
|---|---|---|
| eToro | Cash ISA | Check provider |
| Chip | Smart Cash ISA | Check provider |
| Moneyfarm | Moneyfarm Cash ISA | Check provider |
| Plum | Plum Cash ISA | Check provider |
| Moneybox | Moneybox Cash ISA | Check provider |
List last checked: 30 Oct 2026, 14:53. 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.
Current rates are unavailable. The products below were included when this list was last checked; they are not a current ranking. Check directly with the provider for today’s rates, availability and terms.
| Provider | Product | Provider website |
|---|---|---|
| Zopa | Smart ISA - Fixed Term Pot (1 Year) | Check provider |
| Vanquis Bank | 1 Year Fixed Rate Cash ISA | Check provider |
| UBL UK | 1 Year Fixed Rate Cash ISA | Check provider |
| Shawbrook | 1 Year Fixed Rate Plus Cash ISA | Check provider |
| Investec | Fixed Rate Cash ISA | Check provider |
List last checked: 30 Oct 2026, 14:53. 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.
Current rates are unavailable. The products below were included when this list was last checked; they are not a current ranking. Check directly with the provider for today’s rates, availability and terms.
| Provider | Product | Provider website |
|---|---|---|
| Castle Trust Bank | 2 year Fixed Rate e-Cash ISA | Check provider |
| UBL UK | 2 Year Fixed Rate Cash ISA | Check provider |
| Vanquis Bank | 2 Year Fixed Rate Cash ISA | Check provider |
| Close Brothers Savings | 2 Year Fixed Rate Cash ISA | Check provider |
| Shawbrook | 2 Year Fixed Rate Plus Cash ISA | Check provider |
List last checked: 30 Oct 2026, 14:53. 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.
Current rates are unavailable. The products below were included when this list was last checked; they are not a current ranking. Check directly with the provider for today’s rates, availability and terms.
| Provider | Product | Provider website |
|---|---|---|
| Aldermore | 5 Year Fixed Rate Cash ISA | Check provider |
| Shawbrook | 5 Year Fixed Rate Cash ISA | Check provider |
| UBL UK | 5 Year Fixed Rate Cash ISA | Check provider |
| Castle Trust Bank | 3 year Fixed Rate e-Cash ISA | Check provider |
| UBL UK | 3 Year Fixed Rate Cash ISA | Check provider |
List last checked: 30 Oct 2026, 14:53. 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 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.