Compare Cash ISAs

It's time to make your savings work harder

Use your 2023/2024 ISA allowance of up to £20,000 by 5 April 2024. You won’t pay tax on any interest your ISA earns. Open from £1 or pay into your Cash ISA today.

An ISA is an Individual Savings Account – it allows you to save money in a tax-efficient way. Compare our Cash ISA accounts to find one that’s right for you.

To make the most of your 2023/24 ISA allowance¹, simply top up your existing ISA or open a new one.

If you already bank with us, the quickest way to open an ISA is in our app or Online Banking. Simply log in or register for Online Banking.

Apply in Online Banking

If you don't already bank with us, call us on 0345 744 5445² to book an appointment to open an account in a branch. Due to popularity, the next available appointment may be a few weeks away.

Just so you know, unlike cash savings, the value of investments can fall as well as rise – you may get back less than you invest. Tax rules can change and any benefits to you depend on your personal circumstances.

Compare cash ISAs

Here are the accounts you can currently open – compare them to find one that’s right for you. You may find that previous savings accounts have different interest rates. For more information, read our guide to ISA allowances and Lifetime ISAs .

Cash ISAs	Rate % AER/tax-free per year³	£ minimum opening value	Accessing your money	Transferring an existing ISA to us	Next steps
Instant Cash ISA	1.66% AER/1.65% tax-free p.a.¹ (£1 - £10,000) 1.21% AER/1.20% tax-free p.a.¹ (£10,000+) Interest rates are banded. This means that you’ll earn the higher rate on the first £10,000 of your balance and the lower rate on the additional balance over £10,000.	£1¹ (£0 for transfers-in)	Instant access to withdraw, if you need to	Transfer-in an existing ISA in 3 easy steps	View account
1-Year Flexible Cash ISA	5.20% 1-year fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account
18-Month Flexible Cash ISA	5.05% 18-Month fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account
Premier 1-Year Flexible Cash ISA Exclusively for Premier customers	5.30% 1-year fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account
Premier 18-Month Flexible Cash ISA Exclusively for Premier customers	5.15% 18-Month fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account
Wealth 1-Year Flexible Cash ISA Exclusively for Wealth Management clients	5.30% 1-year fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account
Wealth 18-Month Flexible Cash ISA Exclusively for Wealth Management clients	5.15% 18-Month fixed-rate term (£1 to £1 million)¹	£1¹ (£0 for transfers-in)	Make up to three withdrawals, each one of up to 10% of your current balance	Limited period for transferring-in an existing ISA	View account

Terms, conditions and ISA rules apply. The value of investments can fall. You may get back less than you invest.

More ways to save

For cash ISAs, applicants must be resident in the UK for tax purposes. ISA rules may change. You must not have subscribed to another cash ISA or used your total annual ISA allowance in a stocks and shares ISA and/or an innovative finance ISA, during the same tax year.

Instant Cash ISA – Issue 1: to hold a cash ISA, you must be aged 16 years or over. Open with £1, or £0 for transfers-in.

Flexible Cash ISAs: to hold a Flexible Cash ISA, you must be 18 years old. 3 withdrawals permitted, for up to 10% of the current balance each time. Rates are shown for end-of-term option. You can transfer-in up to 30 days from opening the ISA, and make additional payments up to your annual allowance each tax year throughout the term of the Flexible Cash ISA. Transfers-out are allowed before the maturity date, but only in full, or you can close your account early. Closures and transfers-out carry a charge of 180 days tax-free interest based on the balance at the time. For insufficient earned or accrued interest, the charge is taken from account funds and you could get back less than you deposited. These charges won’t apply if you are within your 14-day cancellation period or in cases of death and bankruptcy.

Instant Cash ISAs and Flexible Cash ISAs are limited offers that may be withdrawn at any time. Terms and conditions apply.

Funds withdrawn from your cash ISA can be replaced in the same tax year without counting towards your annual ISA allowance. Please note that the tax year runs from 6 April to 5 April the following year.

Compare Cash ISAs

Compare cash ISAs

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Savings accounts

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Important information