Cash ISAs: The Best Currently Available List

Kazza242 · 14 March 2007 at 11:18PM

Cash ISAs: The Best Currently Available List

**Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. **

The current Cash ISA limit is £20,000 for the 2025/26 tax year.

**As with any financial product, before opening an ISA do ensure that you have read and understood the terms and conditions.**

Variable Rate Cash ISAs for 'new money' only (i.e. they don't accept transfers in):

Atom Bank HL Active Savings Cash ISA - 4.40%
Minimum deposit: £1.
Operated via: Internet.
Notes: This is NOT a flexible cash ISA.
Marcus by Goldman Sachs Cash ISA - 4.01%
Minimum deposit: £1.
Operated via: Internet.
Notes: This is NOT a flexible cash ISA.
Saga Cash ISA - 4.01%
Minimum deposit: £1.
Operated via: Internet or Telephone.
Notes: This is NOT a flexible cash ISA.
Important: Rate includes a 0.49% bonus for 12 months.

Variable Rate Cash ISAs for 'new money' only (i.e. they don't accept transfers in) with withdrawal restrictions:

N/A

Fixed Rate Cash ISAs for 'new money' only (i.e. they don't accept transfers in):

N/A

Variable Rate (Easy Access) Cash ISAs that accept transfers in:
Trading 212 Cash ISA - 4.81% **New Rate**
Minimum deposit: £1.
Operated via: Internet or Mobile app.
Notes: This is a flexible cash ISA.
**This rate is available to new Trading 212 customers only. The rate includes a bonus of 0.71 for the first 12 months.
Tembo Cash ISA - 4.80%
Minimum deposit: £10.
Operated via: Mobile app.
Notes: This is NOT a flexible cash ISA.
Moneybox Open Access Cash ISA - 4.60% **New Rate**
Minimum deposit: £500
Operated via: Internet and Mobile app.
Notes: This is NOT a flexible cash ISA.
Important: The rate includes 0.85% fixed bonus for 12 months.
Available to new customers only.
A lower interest rate of 0.75% AER (variable) applies whenever your account balance is less than £500.
Vida Savings Easy Access ISA (issue 1) - 4.55%
Minimum deposit: £10.
Operated via: Internet or Mobile app.
Notes: This is a flexible cash ISA.
Kent Reliance Easy Access Cash ISA (issue 58) - 4.46% **New**
Minimum deposit: £1,000.
Operated via: Branch or Internet.
Notes: This is NOT a flexible cash ISA.
Saffron BS Online Easy Access ISA - 4.40%
Minimum deposit: £1.
Operated via: Internet or mobile app.
Notes: This is NOT a flexible cash ISA.
The Saffron do not accept transfers of Stocks and Shares ISAs or Inheritance ISAs.
Family BS Market Tracker Cash ISA (issue 2) - 4.37%
Minimum deposit: £1.
Operated via: Branch, Internet or Post.
Notes: This is NOT a flexible cash ISA.
Charter Savings Bank Easy Access Cash ISA (issue 60) - 4.36% **New**
Minimum deposit: £1.
Operated via: Internet.
Notes: This is NOT a flexible cash ISA.
Ford Money Flexible Cash ISA - 4.35%
Minimum deposit: £1.
Operated via: Internet.
Notes: This is a flexible cash ISA.
Trading 212 Cash ISA - 4.35%
Minimum deposit: £1.
Operated via: Internet or Mobile app.
Notes: This is a flexible cash ISA.
**Existing Trading 212 customers earn this rate.
Chip Cash ISA - 4.33%**New** **
Minimum deposit: £1.
Operated via: Mobile app.
Notes: This is a flexible cash ISA.
**This rate is available to new Chip customers only. The rate includes a bonus of 0.27% for the first 12 months.

Variable Rate Cash ISAs with withdrawal restrictions & accepting transfers in:
Moneybox Cash ISA - 5.46% **New Rate**
Minimum deposit: £500
Operated via: Internet and Mobile app.
Notes: This is NOT a flexible cash ISA. Allows 3 penalty-free withdrawal per account year.
Important: The rate includes 1.51% fixed bonus for 3 months.
Plum Cash ISA - 4.85% **New Rate**
Minimum deposit: £1.
Operated via: Mobile app.
Notes: This is NOT a flexible cash ISA.
Important: Rate includes a 1.67% variable bonus for the first 12 months.
New customers only. ISA must be retained for 3 consecutive months to qualify.
Bonus rate is not paid on funds from a cash ISA transferred in.
The rate received when you transfer in your ISA is 3.29% AER variable.
Allows 3 penalty-free withdrawals per year.
Vida Savings Defined Access ISA (issue 1) - 4.63%
Minimum deposit: £10.
Operated via: Internet or Mobile app.
Notes: This is a flexible cash ISA.
Allows 4 penalty-free withdrawals per year.
Harpenden BS Online Single Access ISA - 4.50%
Minimum deposit: £1
Operated via: Internet.
Notes: This is NOT a flexible cash ISA. Allows 1 penalty-free withdrawal per calendar year (1st January to 31st December).
Principality BS Online Bonus 5 Access Cash ISA (issue 4) - 4.50%**
Minimum deposit: £1.
Operated via: Internet.
Notes: This is a flexible cash ISA. Allows 5 penalty-free withdrawals per tax year.
Important: Rate includes a 1.55% bonus for the first 12 months.
**The interest rate on this account will be 4.25% on 19/06/2025.
Paragon Bank Double Access ISA (issue 9) - 4.50%
Minimum deposit: £1,000
Operated via: Internet.
Notes: This is a flexible cash ISA. Allows 2 penalty-free withdrawals in a 12 month period.
Furness BS Double Access Saver ISA (issue 1) - 4.40%
Minimum deposit: £1,000
Operated via: Branch, Internet, Post or Mobile app.
Notes: This is a flexible cash ISA. Allows 2 penalty-free withdrawals per anniversary year.

Variable Rate Cash ISAs requiring notice to be given & accepting transfers in:

In order to withdraw from or transfer a notice cash ISA, you need to give the required number of days notice. Failing to do so, usually incurs a loss of interest penalty. If you are choosing a notice ISA, please ensure that you are able to meet the notice period.
Tipton & Coseley BS 60 Day Notice ISA (Mobile app Account) - 4.25% **New Rate**
Minimum deposit: £1,000.
Operated via: Mobile app.
Notes: This is NOT a flexible cash ISA. Requires 60 days' notice to be provided.
Tipton & Coseley BS 60 Day Notice ISA - 4.25% **New Rate**
Minimum deposit: £1,000.
Operated via: Branch, Post or Telephone.
Notes: This is NOT a flexible cash ISA. Requires 60 days' notice to be provided.

Fixed Rate Cash ISAs that accept transfers in:

If you are choosing a fixed rate cash ISA - do ensure that you can leave the money untouched until the ISA matures, as making a withdrawal or transferring out before maturity will usually incur a loss of interest penalty.

1 Year Fixes:
Castle Trust Bank 1 Year Fixed Rate e-Cash ISA - 4.26% **New**
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening.
Vanquis Bank 1 Year Fixed Rate Cash ISA - 4.26% **New**
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening.
Hodge Bank 1 Year Fixed Rate Cash ISA - 4.25% **New**
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening.
Kent Reliance 1 Year Fixed Rate Cash ISA (issue 120) - 4.25% **New**
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening.
Secure Trust Bank 1 Year Fixed Rate Cash ISA - 4.25% **New**
Minimum deposit: £1,000.
Notes: Fixed until 22/07/2026.
United Trust Bank Cash ISA 1 Year Bond - 4.25%
Minimum deposit: £5,000.
Notes: Fixed for one year from account opening.
Vida Savings 1 Year Fixed Rate ISA - 4.25%
Minimum deposit: £100.
Notes: Fixed for one year from account opening.
Charter Savings Bank 18 Month Fixed Rate Cash ISA - 4.23% **New**
Minimum deposit: £5,000.
Notes: Fixed for one year from account opening.
Cynergy Bank Fixed Rate Cash ISA - 4.20%
Minimum deposit: £500.
Notes: Fixed for one year from account opening.
Existing Cynergy Bank customers of six months or more will receive the Loyalty rate of 4.21%.
Gatehouse 1 Year Fixed Term Woodland Cash ISA - 4.20%
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening.

14 Month + Fixes:
Paragon Bank 15 Month Fixed Rate Cash ISA - 4.28% **New**
Minimum deposit: £5,000.
Notes: Fixed for 15 months from account opening.
Charter Savings Bank 18 Month Fixed Rate Cash ISA - 4.01% **New**
Minimum deposit: £5,000.
Notes: Fixed for 18 months from account opening.
Newcastle BS 18 Month Fixed Rate ISA (issue 32) - 4.00%
Minimum deposit: £1.
Notes: Fixed until 08/12/2026.

2 Year Fixes:
United Trust Bank Cash ISA 2 Year Bond - 4.21% **New**
Minimum deposit: £5,000.
Notes: Fixed for two years from account opening.
Hodge Bank 2 Year Fixed Rate Cash ISA - 4.20% **New**
Minimum deposit: £2,000.
Notes: Fixed for two years from account opening.
Vanquis Bank 1 Year Fixed Rate Cash ISA - 4.19% **New**
Minimum deposit: £1,000.
Notes: Fixed for two years from account opening.
Close Brothers Savings 2 Year Fixed Rate Cash ISA - 4.19% **New**
Minimum deposit: £10,000.
Notes: Fixed for two years from account opening.
Castle Trust Bank Fixed Rate e-Cash ISA - 4.18% **New**
Minimum deposit: £1,000.
Notes: Fixed for two years from account opening.
Cynergy Bank Fixed Rate Cash ISA - 4.17%
Minimum deposit: £500
Notes: Fixed for two years from account opening.
Existing Cynergy Bank customers of six months or more will receive the Loyalty rate of 4.18%.
Secure Trust Bank 2 Year Fixed Rate Cash ISA - 4.17% **New**
Minimum deposit: £1,000.
Notes: Fixed until 22/07/2027.
Kent Reliance 2 Year Fixed Rate Cash ISA (issue 96) - 4.13% **New**
Minimum deposit: £1,000.
Notes: Fixed for two years from account opening.
Vida Savings 2 Year Fixed Rate ISA - 4.11%
Minimum deposit: £100.
Notes: Fixed for two years from account opening.
UBL UK Fixed Rate Cash ISA - 4.11%
Minimum deposit: £2,000.
Notes: Fixed for two years from account opening.
Progressive BS 2 Year Fixed Rate ISA Bond (issue 21) - 4.10%
Minimum deposit: £500.
Notes: Fixed for two years from account opening.
Marsden BS Fixed Rate Cash ISA (issue 254) - 4.10% **New**
Minimum deposit: £5,000.
Notes: Fixed until 31/08/2027.

3 Year Fixes:
United Trust Bank Cash ISA 3 Year Bond - 4.21% **New**
Minimum deposit: £5,000.
Notes: Fixed for three years from account opening.
Hodge Bank 3 Year Fixed Rate Cash ISA - 4.20% **New**
Minimum deposit: £2,000.
Notes: Fixed for three years from account opening.
UBL UK Fixed Rate Cash ISA - 4.20% **New**
Minimum deposit: £2,000.
Notes: Fixed for three years from account opening.
Close Brothers Savings 3 Year Fixed Rate Cash ISA - 4.19% **New**
Minimum deposit: £10,000.
Notes: Fixed for three years from account opening.
Castle Trust Bank Fixed Rate e-Cash ISA - 4.18% **New**
Minimum deposit: £5,000.
Notes: Fixed for three years from account opening.
Secure Trust Bank 3 Year Fixed Rate Cash ISA - 4.18% **New**
Minimum deposit: £1,000.
Notes: Fixed until 21/07/2028.
Aldermore 3 Year Fixed Rate Cash ISA - 4.05% **New**
Minimum deposit: £1,000.
Notes: Fixed for three years from account opening.
Leeds BS 3 Year Fixed Cash ISA (issue 166) - 4.00%
Minimum deposit: £100.
Notes: Fixed until 31/07/2028.
Cynergy Bank Fixed Rate Cash ISA - 4.00% **
Minimum deposit: £500.
Notes: Fixed for three years from account opening.
Existing Cynergy Bank customers of six months or more will receive the Loyalty rate of 4.01%.
Ford Money Fixed Cash ISA 3 Year - 4.00%
Minimum deposit: £500.
Notes: Fixed for three years from account opening.

4 Year Fixes:
UBL UK Fixed Rate Cash ISA - 4.00%
Minimum deposit: £2,000.
Notes: Fixed for four years from account opening.
United Trust Bank Cash ISA 4 Year Bond - 4.00%
Minimum deposit: £5,000.
Notes: Fixed for four years from account opening.

5 Year Fixes:
Castle Trust Bank Fixed Rate e-Cash ISA - 4.21% **New**
Minimum deposit: £5,000.
Notes: Fixed for five years from account opening.
Hampshire Trust Bank 5 Year Online ISA Fixed Saver (issue 3) - 4.20% **New**
Minimum deposit: £1.
Notes: Fixed for five years from account opening.
UBL UK Fixed Rate Cash ISA - 4.20% **New**
Minimum deposit: £2,000.
Notes: Fixed for five years from account opening.
Hodge Bank 5 Year Fixed Rate Cash ISA - 4.19% **New**
Minimum deposit: £2,000.
Notes: Fixed for five years from account opening.
Close Brothers Savings 5 Year Fixed Rate Cash ISA - 4.19% **New**
Minimum deposit: £10,000.
Notes: Fixed for five years from account opening.
Shawbrook Bank 5 Year Fixed Rate Cash ISA Bond (issue 59) - 4.18% **New**
Minimum deposit: £1,000.
Notes: Fixed for five years from account opening.
Secure Trust Bank 5 Year Fixed Rate Cash ISA - 4.17% **New**
Minimum deposit: £1,000.
Notes: Fixed until 22/07/2030.

Regular Saver ISAs:

N/A

Lifetime ISAs:

Lifetime ISAs are available to savers aged 18 to 39. They allow up to £4,000 per tax year to be saved up to the age of 50 and they receive a 25% government bonus up to £1,000 per year to help with buying a first home and/or saving for retirement.
Plum Lifetime ISA - 4.75% **New**
Minimum deposit: £1. Operated via: Mobile App.
Important: Rate includes 1.12% bonus for 12 months.
Moneybox Cash Lifetime ISA - 4.70%
Minimum deposit: £1. Operated via: Mobile App.
Important: You earn a first year rate of 4.70% (variable) and then 3.55% thereafter.
Tembo Lifetime ISA - 4.60%
Minimum deposit: £1. Operated via: Mobile App.

All rates are subject to change without notice. Please check all rates and terms before investing.

This list is updated regularly, but if you can think of an Cash ISA I have missed please do post it on the thread.

SeanW · 14 March 2007 at 11:27PM

Bradford & Bingley eISA, 5.55%, £1000 minimum, rate guaranteed to match BoE base rate until June 2007, accepts transfer in.

SeanW · 14 March 2007 at 11:27PM

Bradford & Bingley eISA, 5.55%, £1000 minimum, rate guaranteed to match BoE base rate until June 2007, accepts transfer in.

Mr_Mumble · 14 March 2007 at 11:47PM

Superb work Kazza. :T

For those looking for a longer term perhaps this 4 year deal:

Halifax Fixed Rate ISA Saver - 6.00%
Minimum deposit: £3,000. Max £33,000. Transfers in requests accepted. Earlier access on closure only on 30 day notice + 180 day loss of interest.

humfer · 15 March 2007 at 8:20PM

Great post kazza. Someone should make this a sticky. Still planning to transfer my A&L to Abbey, but my new money 07/08 now looks like its heading to Barclays and not NS&I anymore. I wonder if we will see any other banks/building societys upping their game before the end of the tax year....

Indispensable_Hobbes · 15 March 2007 at 8:32PM

Abbey is looking good for me aswell.

I'm just wondering what to do with 07-08 allowance, have noted a few people transferring and opening new ISA's.. Is it not be more beneficial to put it into your existing ISA as the balance will be higher?

Technaut · 15 March 2007 at 8:39PM

thanks for posting this. I have spent the best part of the day fretting over which one to choose and have been all over the internet looking. Its good to have them all in one place to compare

RayWolfe · 15 March 2007 at 9:43PM

Well done Kazza.
Will you undertake to do one for after 6th April for those of us who are already committed for 2006/7? ;-)

Kazza242 · 15 March 2007 at 9:50PM

RayWolfe wrote: »

Well done Kazza.
Will you undertake to do one for after 6th April for those of us who are already committed for 2006/7? ;-)

If I've recovered from my RSI by then, then maybe ;-)

Kazza242 · 15 March 2007 at 10:02PM

jenyking wrote: »

Abbey is looking good for me aswell.

I'm just wondering what to do with 07-08 allowance, have noted a few people transferring and opening new ISA's.. Is it not be more beneficial to put it into your existing ISA as the balance will be higher?

In some cases you are right, it can be more beneficial, especially if the new 07/08 allowance takes the total ISA balance up to e.g. £9K or above (qualifying amount for the 5.75% rate from Abbey). This year there seem to be more competitive 'new money' isa's available, which tend to offer better rates that those that accept transfers in.

At the moment my total isa balance is with one provider, but this year I will open a 'new money' ISA because the difference in rate makes it worthwhile.

Kazza242 · 16 March 2007 at 11:23PM

As some people have asked me to request that this thread be made a sticky I have done so. I intend to update the list as new ISA's are launched/withdrawn.

Cash ISAs: The Best Currently Available List

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