Cash ISAs
Looking for our best ISA rates? Or are you interested in a new fixed rate ISA?
Here, you can compare all our cash ISAs to find the one that's right for you
Want to learn more? Take a look at our FAQs.
Cash ISA
Fixed Rate ISA (335) 31.12.2028
Save up to £20,000 in the 2026/27 tax year and earn tax-free interest, with the certainty that your rate won’t change.
Rate
4.63%
Tax-free p.a./AER
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
No
After the 14-day 'cancellation period' you can't take out part of the money - only full closure is allowed. Charges apply.
Interest paid
Deposits
£1-£20,000
For the 2026/2027 tax year
Current and previous years' transfers are allowed
Cash ISA
Fixed Rate ISA (333) 30.09.2027
Save up to £20,000 in the 2026/27 tax year and earn tax-free interest, with the certainty that your rate won’t change.
Rate
4.60%
Tax-free p.a./AER
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
No
After the 14-day 'cancellation period' you can't take out part of the money - only full closure is allowed. Charges apply.
Interest paid
Deposits
£1 - £20,000
For the 2026/2027 tax year
Current and previous years' transfers are allowed
Cash ISA
5 Access ISA - 1 Year
This account lasts for 12 months. Earn a variable rate of interest with 5 charge free withdrawals. Please see Summary Box to find out what happens after the 12 months
Rate
4.00%
Tax-free p.a./AER
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
Yes - Restricted
Take money out of your account up to 5 times with no charge. For the 6th and subsequent withdrawals (which include closure), there will be a charge equal to 50 days' interest on the amount withdrawn.
Interest paid
Deposits
£1 - £20,000
For the 2026/2027 tax year
Current and previous years' transfers are allowed
Children's
Junior Cash ISA (2)
Help your child save for their future. Savings stay safely stashed away until your child is 18, earning tax-free interest each year.
Rate
3.75%
Tax-free p.a./AER
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
No
The child can only access the money when they reach 18.
Cash ISA
Additional Allowance ISA
For those who’ve inherited an extra ISA allowance from a spouse or civil partner. Keeps your savings tax-free.
Rate
2.05%
Tax-free p.a./AER
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
Yes
This is not a flexible ISA. You can ask us to do an ISA transfer or request a cheque by post.
Deposits
Dependent on individual circumstances
Cash ISA
Easy Access ISA (12)
All the tax-free advantages of an ISA, plus unlimited access to your money. Good for savers who might need to dip into their savings pot.
Rate
2.00%
Tax-free p.a./AER
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
Yes
This is a flexible ISA. Take money out whenever you wish with no charge.
Interest paid
Deposits
£1 - £20,000
Current and previous years' transfers are allowed
Is an ISA right for me?
ISAs offer a great, tax-free way to save. You can save up to £20,000 into ISAs each tax year* and any interest or investment income you earn isn’t taxed.
Our cash ISAs might be for you if:
- You haven't used all your annual ISA allowance in the current tax year
- You're looking for flexibility or long-term assurance.
Choose from our range of cash ISA products, based on whether you want the peace of mind of a fixed rate or access to your money.
*This is correct for the 2026/27 tax year.
What is my annual ISA allowance?
The annual ISA allowance is the amount you can pay into ISAs each tax year.
This tax year (2026/27), you can save or invest up to £20,000 tax-free*. You can do this across different types of ISAs and with multiple banks, building societies or other financial institutions. While we specialise in cash ISAs, you might see that other providers have stocks and shares, Lifetime and innovative finance ISAs available.
If you don’t use your full allowance in a tax year, any remaining allowance won’t roll over. However, the good news is your allowance will reset every 6 April when the next tax year begins.
*From April 2027 allowances are changing find out more by reading our Autumn Budget breakdown.
How does the tax-free benefit to ISAs work?
Depending on which tax band you're in and how much interest you earn, you could be paying tax on that interest. However, saving money in an ISA is always tax-free regardless of your earnings.
You can learn more about your Personal Savings Allowance to understand how this can affect you.
What is an ISA transfer?
This is when your money is moved from one ISA product to another and keeps its tax-free benefit. Transfers work by picking up your ISA savings and putting them into a new ISA account.
Before you do a transfer, you should find a new ISA you’d like to transfer to. You can then contact your new ISA provider and they’ll start the process. Please remember, you can’t complete an ISA transfer yourself*.
To find out how to do this, view our guide.
*If you withraw the money yourself, and deposit it in a different ISA it will lose it's tax-free benefit and count as a deposit toward your current year's ISA allowance.
Are cash ISA savings accounts safe?
Like our other savings accounts, our cash ISA savings accounts are protected by the Financial Services Compensation Scheme (FSCS). The FSCS will protect up to £120,000 of any eligible deposits you have with us.
If the amount you have saved goes over this limit, the extra amount is unlikely to be protected.
Why save with us?
Savers are in safe hands with us - and so is your money.
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Can't find your account?
What are cash ISAs?
Learn about the tax-free saving option
Busting common myths around cash ISAs
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on 0800 121 8899
- Mon-Fri 8am-7pm
- Saturday 9am-2pm
- Sunday & Bank holidays Closed
Yesterday, people waited on average
17 seconds for savings enquiries
17 seconds for mortgage enquiries
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on
0800 121 8899
Saturday
Sunday
9am - 2pm
Closed
Closed
On Saturday, people waited on average
180 seconds for savings enquiries
91 seconds for mortgage enquiries
