Best cash ISAs in the UK: Top 10

Looking to grow your savings pot? A cash ISA is one of many types of savings accounts available in the UK, with nearly all banks and providers offering them.

An ISA lets you save and grow your money without paying tax on the interest you earn, making it a good option for many savers.

But which is the best cash ISA in the UK right now? Below, we’ll run through 10 of the best accounts currently available, including a mix of easy access, limited access and fixed rate ISAs.

We’ll focus on accounts that give you the best interest rates, so you can make your savings go further.

We’ll also show you a smart, alternative way to make your money work harder. With Wise Interest**, you can help your money grow by investing in a fund that holds government-guaranteed assets - all within your Wise account from the money services provider Wise. It’s not a bank account but offers some similar features, and your money is safeguarded.

Learn more about Wise Interest

Capital at risk. Growth not guaranteed.

Quick comparison of the top cash ISAs in the UK

To help you start comparing options, below is an at-a-glance look at 10 of the best cash ISAs in the UK right now.

We’ve included both easy access, limited access and fixed accounts in our list, along with focusing on those with the highest cash ISA rates in the UK.

ISA account	Type	Interest rate	How to apply	Transfers in?
Moneybox Cash ISA	Easy access, limited access	5.71% for limited access, 5.05% for easy access	App	Yes
Trading 212 Cash ISA	Easy access	5.07%	App/Online	Yes
Plum Cash ISA	Limited access	5.06%	App	Yes
Tembo Cash ISA	Easy access	4.80%	App	Yes
Hargreaves Lansdown Cash ISA	Easy access, limited access, fixed rate	Up to 4.50% for easy access; up to 4.40% for limited access; up to 4.25% for fixed	Online	Yes, via HL Stocks & Shares ISA (no direct transfers)
Leeds Building Society Cash ISAs	Easy access, limited access, fixed rate	4.35% for limited access, 4.10% for easy access, up to 3.85% for fixed	Online, in branch, and/or by post, depending on ISA	Yes
Chip Cash ISA	Easy access	4.32%	App	Yes
Marcus Cash ISA	Easy access	4.30%	Online	No
Cynergy Bank Online ISA	Easy access	4.20%	Online	Yes
OakNorth Bank Fixed Rate Cash ISA	1 year fixed	4.18%	Online	Yes

The 10 best cash ISAs in the UK

Let’s take a closer look at each of these cash ISAs.

Moneybox Cash ISAs

Moneybox offers two cash ISA options to suit different saving styles.

The first - called Moneybox Cash ISA - is a limited access product that lets you make up to three withdrawals per year.² This ISA pays a generous 5.71% AER (variable), but only for the first three months.² After that, the rate drops to 4.20% AER.²

The second is the Moneybox Open Access Cash ISA, designed for more flexibility. This easy access ISA allows unlimited withdrawals and pays 5.05% AER (variable) for the first 12 months before dropping to 4.00% AER.³

Both accounts accept transfers in from other providers without affecting your rate.^2,3 However, they each require a minimum balance of £500.^2,3 If your balance falls below this - or if you exceed the withdrawal limit on the limited access ISA - your rate plummets to 0.75% AER.^2,3

Neither account is flexible,^2,3 so if you withdraw money and later redeposit it, it will still count against your annual ISA allowance.

To get started with this app-only account, you’ll need to download the MoneyBox app.^2,3

📚 Read more: Best savings accounts with high interest in the UK

Trading 212 Cash ISA

Although Trading 212 is best known as an investment platform for trading stocks and ETFs, it also offers an easy access ISA with a standard rate of 4.35% AER (variable).⁵

Right now, there's also a 5.07% AER promotional rate available to new customers who sign up through certain third-party partner links, such as this one.⁴ The boosted rate lasts for 12 months, after which it drops to the standard rate.⁴

Since this is a flexible ISA,⁴ you can withdraw your money at any time without penalties or loss of interest, and even replace it within the same tax year without affecting your ISA allowance.

You can also transfer existing ISAs in or out of Trading 212 without any fees on their side.⁴ To open an account, sign up online or via the Trading 212 app.⁴

Plum Cash ISA⁶

The Plum Cash ISA offers a 5.06% AER (variable) interest rate for the first 12 months, dropping to 3.54% AER afterward. It’s a limited access ISA, meaning you can make up to three withdrawals per year. Exceed that, and the rate drops to 2.50% AER.

There’s a £1 minimum deposit to open the account, but you’ll need to maintain a balance of at least £100. Falling below that also triggers the lower 2.50% rate. This ISA isn’t flexible, so any withdrawn money can’t be replaced without counting toward your annual ISA allowance.

To open and manage the Plum Cash ISA, you’ll need the Plum mobile app. You can transfer in existing ISAs from other providers, but those funds will earn the standard 3.54% AER.

📚 Read more: Best savings accounts with high interest in the UK

Tembo Cash ISA⁷

The Tembo Cash ISA offers a competitive 4.8% AER (variable), and unlike many others, this isn’t a promotional or introductory rate - it’s simply what you earn for as long as the rate stays in place.

You can open an account with as little as £10, transfer in existing ISAs, and enjoy unlimited withdrawals - although withdrawals may also take up to two working days to process.

However, Tembo’s is not a flexible ISA: If you withdraw money and later redeposit it, it could count twice toward your annual ISA allowance.

To open and manage your account, you’ll need to download the Tembo app.

Hargreaves Lansdown Cash ISA

The Hargreaves Landsdown Cash ISA works a little differently from traditional ISAs. Rather than offering a single account with one interest rate, it gives you access to a range of savings products from different partner banks, all managed through one ISA wrapper.⁹

You can mix and match easy access, limited access and fixed-term accounts and switch between options as they mature or better rates become available.⁹

As of May 2025, the top easy access rate available through Hargreaves Lansdown is 4.50% AER (variable) from Zopa,¹⁰ and the top limited access rate is 4.40% AER (variable) from Coventry Building Society.¹⁰

For fixed terms, standout rates include 4.25% AER for six months from Chetwood.¹⁰ There are no fees to hold the ISA, and you can start with £1.¹⁰

You can open an account via the Hargreaves Lansdown website. This ISA doesn’t support direct transfers from other providers, but you can first transfer outside ISAs into an HL Stocks and Shares ISA, then move funds into the cash account.⁸

💡 Did you know that you can earn a return with Wise Interest?

Your money doesn’t have to sit still. With Wise Interest**, you can earn a variable return of up to 3.74% on your GBP balance, all within your Wise account. Here’s how it works: Have a balance in GBP, USD or EUR Switch on Wise Interest Your money is put to work by investing in a fund that holds government-guaranteed assets Returns are added to your money every working day Withdraw up to 10,000 GBP (or equivalent) a day (any amount over will add a processing time of up to 2 working days) Start from as little as £1 Wise Interest is different from savings and current accounts. It allows you to invest your money and help it grow, while staying accessible. Just keep in mind that, like any investment, growth isn’t guaranteed, and your capital may be at risk. Learn more about Wise Interest Capital at risk - past performance does not guarantee future growth. Variable rate is based on 7 day performance as of 14/05/2025. This fund has returned an 1.31% annual average over the last 5 years, excluding Wise fees. For the full 5 year past performance of funds, please visit our website.

Leeds Building Society Cash ISAs¹¹

Leeds Building Society offers a mix of cash ISA options. If you’re looking for flexibility, the Online Access Cash ISA gives you unlimited withdrawals and a rate of 4.10% AER (variable). You can open it online with a £1,000 minimum deposit.

If you’re happy with less access in exchange for a better rate, the 1 Year Double Access Cash ISA offers 4.35% AER, but limits you to just two penalty-free withdrawals per year. This one must be opened in a branch or by post, and also requires £1,000 to get started.

Leeds also offers additional easy and limited access options at lower rates, along with a range of fixed-rate ISAs, with rates currently going up to 3.85% AER for a 5-year term.

All accounts accept transfers in from other providers. Just note that Leeds’ ISAs are not flexible, so if you take money out, you won’t be able to put it back in without it counting toward your annual ISA allowance.

Chip Cash ISA¹²

If you're looking for a cash ISA that’s both easy access and flexible, there’s the Chip Cash ISA.

Both new and existing customers can earn 4.32% AER (variable) with no introductory bonus, so you can expect to earn this rate for as long as it’s offered and make unlimited withdrawals without reducing your interest rate.

It's a fully flexible ISA, meaning you can withdraw and replace funds within the same tax year without affecting your ISA allowance.

This app-based ISA requires you to download the Chip app, using it to open an ISA within the app with as little as £1 or by transferring in existing ISAs.

Marcus Cash ISA¹³

The Cash ISA from Marcus, the brand owned by US banking giant Goldman Sachs, can be opened online with an initial deposit of just £1. It offers a rate of 4.30% AER (variable) for the first year, after which it drops to 3.79% AER.

This isn’t a flexible ISA, so you can’t replace money withdrawn within your tax-free allowance. And it doesn’t permit transfers in from other ISAs. However, you can make unlimited withdrawals if you need to.

📚 Read more: Best online bank accounts in the UK

Cynergy Bank Online ISA¹⁴

You can open a Cynergy Bank Online ISA with as little as £1, and transfer in existing ISAs only at the time of applying. The current interest rate is 4.20% AER (variable) and doesn't include any bonuses, so you’ll earn that rate as long as Cynergy Bank keeps it in place.

It’s an easy access ISA, so you can make unlimited 24/7 withdrawals. However, it’s not flexible so you can’t replace money you take out without your allowance being affected.

You’ll need to be a Cynergy Bank personal banking customer to open this ISA, and you can do it online.

OakNorth Bank Fixed Rate Cash ISA¹⁵

The OakNorth Bank Fixed Rate Cash ISA can be opened with just £1, and pays 4.18% AER if you lock your money away for 1 year. Other fixed terms up to 36 months are available too, but this currently offers the highest interest rate.

You can sign up for this ISA online or in the OakNorth mobile app. You can transfer in ISAs from other providers, but this can only be done via online applications.

As with other fixed rate ISAs, withdrawals aren’t permitted within the fixed period without incurring penalties.

What is a cash ISA?

A cash ISA is just like an ordinary savings account, but with a couple of key differences. The first is that you don’t pay tax on any of the interest you earn.

Normally, you’d have to pay tax on any interest you earn from money held in a savings account if it goes over your personal savings allowance. This is £1,000 for basic rate taxpayers and £500 for higher rate taxpayers.¹

But with an ISA, you don’t pay tax on the interest you earn in the account.

The second difference with an ISA is that you can only save a certain amount a year in one - this is known as your ISA allowance. Everyone in the UK aged 18 or over gets an ISA allowance at the start of each tax year. In 2025/26, the ISA allowance is £20,000.¹

Cash ISAs come in a handful of different types, based on how you access your money. There are easy access ISAs and fixed ISAs, which offer tax-free interest for a fixed period of 1,2,3 or 5 years. You won’t be able to make withdrawals with a fixed cash ISA, not without incurring a penalty.

Some are flexible, letting you replace any cash you withdraw, while for others it's a ‘once and done’ deposit policy. You’ll also find that many cash ISAs let you transfer in ISAs from other providers.

Cash ISAs - what you need to know:¹

• The cash ISA allowance for 2025/26 is £20,000
• The allowance resets every tax year, but doesn’t roll over to the next year - so if you don’t use it, you lose it.
• You can open multiple cash ISAs with different providers in one year - as long as your total savings doesn’t exceed £20,000.
• Cash ISAs offer Financial Services Compensation Scheme (FSCS) protection up to £85,000 per person.
• If you’re transferring money between ISAs, use the provider’s transfer process rather than withdrawing and re-depositing the money. Otherwise, you’ll lose your tax-free benefits.

📚 Read more: Current accounts with best interest rates in the UK

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And there you go - a full roundup of the best cash ISAs in the UK right now, including easy access, limited access and fixed term options. You should have all the info you need to compare what’s out there and choose the one that works best for you.

Also, check out the Wise account in case you manage your money in multiple currencies. You can send, spend and convert your money in currencies for small, transparent fees* and mid-market exchange rate.

You can also give your money a boost with the Wise Interest** feature. It’s not an ISA but offers something different as an investment feature, earning returns on different currency balances. Investments in funds are never guaranteed and your capital can be at risk.

Sign up with Wise today 💰

**Capital at risk. In the UK, Interest and Stocks are provided by Wise Assets — this is the trading name of Wise Assets UK Ltd, a subsidiary of Wise. Wise Assets UK Ltd is authorised as an investment firm and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.

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Sources used:

1. MoneySavingExpert - Best cash ISAs
2. MoneyBox - Open a Cash ISA
3. MoneyBox - Open Access Cash ISA
4. Trading 212 - Cash ISA with zero account fees
5. Trading 212 - Trading 212
6. Plum - Open a Plum Cash ISA
7. Tembo - Tembo Cash ISA
8. Hargreaves Lansdown - Cash ISA Transfers
9. Hargreaves Lansdown - Cash ISAs
10. Hargreaves Lansdown - Latest savings rates
11. Leeds Building Society - Cash ISAs
12. Chip - Cash ISA
13. Marcus - Cash ISA
14. Cynergy Bank - Online ISA
15. OakNorth - Fixed Rate Cash ISA

Sources last checked on date: 7-May-2025