Cash ISAs: The Best Currently Available List

SnowMan

Kent Reliance easy access cash ISA issue 68 paying 4.12% AER out today

https://www.kentreliance.co.uk/products/isas/easy-access-cash-isa

This replaces the issue 67 which was paying 4.09% AER

If you've got an easy access cash ISA issue 59 paying 4.38% AER that reduces to 4% AER on 11th December. So you might want to arrange a transfer from the issue 59 to the issue 68 from 11th December 2025 to increase your rate from 4% AER to 4.12% AER. You can't do this is advance so you will need to ring them up from around 9th December (it takes a few working days for the transfer to happen) to arrange the ISA transfer.

rallycurve

SnowMan said:

Kent Reliance easy access cash ISA issue 68 paying 4.12% AER out today

https://www.kentreliance.co.uk/products/isas/easy-access-cash-isa

This replaces the issue 67 which was paying 4.09% AER

If you've got an easy access cash ISA issue 59 paying 4.38% AER that reduces to 4% AER on 11th December. So you might want to arrange a transfer from the issue 59 to the issue 68 from 11th December 2025 to increase your rate from 4% AER to 4.12% AER. You can't do this is advance so you will need to ring them up from around 9th December (it takes a few working days for the transfer to happen) to arrange the ISA transfer.

I believe with Kent Reliance you can do the ISA transfer yourself in online banking. As long as it is from ISA to ISA, it won't leave the ISA wrapper. I was told this last time I called them to do an internal transfer and have tested it myself no problem

SnowMan

rallycurve said:

SnowMan said:

Kent Reliance easy access cash ISA issue 68 paying 4.12% AER out today

https://www.kentreliance.co.uk/products/isas/easy-access-cash-isa

This replaces the issue 67 which was paying 4.09% AER

If you've got an easy access cash ISA issue 59 paying 4.38% AER that reduces to 4% AER on 11th December. So you might want to arrange a transfer from the issue 59 to the issue 68 from 11th December 2025 to increase your rate from 4% AER to 4.12% AER. You can't do this is advance so you will need to ring them up from around 9th December (it takes a few working days for the transfer to happen) to arrange the ISA transfer.

I believe with Kent Reliance you can do the ISA transfer yourself in online banking. As long as it is from ISA to ISA, it won't leave the ISA wrapper. I was told this last time I called them to do an internal transfer and have tested it myself no problem

Thanks. It wasn't obvious to me that it would count as an ISA transfer. That's useful to know.

gesdt50

Rheumatoid said:

Wheres_My_Cashback said:

BigBlueSky said:

Wheres_My_Cashback said:

BigBlueSky said:

Rheumatoid said:

This looks decent at 4.66% variable and flexible.
eToro Cash ISA – Earn Interest Tax-Free
Any downsides?

I believe if you leave them before the end of the 12 month period you don't get the bonus rate, so just get a lower rate.  This is OK if it stays competitive, but if the rate drops and you want to move elsewhere, you'll only get 3.86% AER

Just read the T&Cs and there doesn't seem to be anything in there to say you lose the bonus if transferring out before 12 months is up. Only aware of PLUM doing that.

The boosted rate starts after inbound funds are cleared (1-2 days) and is calculated daily and paid the following month on the anniversary of your first deposit.
 

Your boosted rate interest earned will be paid into your Cash ISA balance in one lump sum upon completion of the 12 month term.

https://www.etoro.com/wp-content/uploads/2025/10/Moneyfarm_eToro_ISA_Promotion_Terms_and_Conditions_2025.pdf

You really should delete this post as your highlighted line has been made up by you. It does not feature anywhere in the terms/link you posted.

It is in the FAQ for the ISA:

Should you be eligible for the boosted rate offer, your 12-month boosted rate calculation begins once funds are cleared (typically 1–2 working days after they have been received).

Your boosted rate interest earned will be paid into your Cash ISA balance in one lump sum upon completion of the 12 month term.

To maintain the boosted rate, keep at least £500 in your account and limit withdrawals to three over the 12 month term. Please read the promo terms and conditions here.

No mention of the highest rate Cash ISA from ETORO in Martins weekly email

Patr100

Gambler said:

Patr100 said:

Chip Cash ISA
"We’re paying new customers a rate boost of 0.76% AER for 12 months, this results in a boosted rate of 3.80% AER (variable tracker)."

This is different to the opening post here that says:

Chip Cash ISA - 4.42% **New Rate**

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 1.33% for the first 12 months.

That's because Chip change their new offerings almost on a daily basis 

Use moneyfacts 

I do use Moneyfacts already. I'm going for the Easy Access Principality ISA  4.20 with a bonus for a year. Transfer  from Trading 212 initiated by paper form by post (that is annoying though) plus I still have this years allowance to use.
Not the highest  rate but I had decent experience with them on a previous for a savings account so happy to use as flexible ISA and
easy to move later if necessary. Just want to get it out of trading 212 for now.

clairec666

Patr100 said:

Gambler said:

Patr100 said:

Chip Cash ISA
"We’re paying new customers a rate boost of 0.76% AER for 12 months, this results in a boosted rate of 3.80% AER (variable tracker)."

This is different to the opening post here that says:

Chip Cash ISA - 4.42% **New Rate**

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 1.33% for the first 12 months.

That's because Chip change their new offerings almost on a daily basis 

Use moneyfacts 

I do use Moneyfacts already. I'm going for the Easy Access Principality ISA  4.20 with a bonus for a year. Transfer  from Trading 212 initiated by paper form by post (that is annoying though) plus I still have this years allowance to use.
Not the highest  rate but I had decent experience with them on a previous for a savings account so happy to use as flexible ISA and
easy to move later if necessary. Just want to get it out of trading 212 for now.

That Principality account is a good one - as we're predicted to see a base rate cut soon, the rate will probably fall, but Principality are generally quite fair with their rate cuts, usually in line with the base rate or sometimes only a 0.2% drop instead of 0.25%.

where_are_we

I also went for a transfer to Principality Online Bonus 5 Access Cash ISA @4.2% when my Monument Cash ISA plummeted to 4%. Hopefully the rate will remain competitive. Principality are one of the better Building Society`s. Also the 5 withdrawals are per tax year - so you can make up to 5 withdrawals before April 5 2026 and then the 5 withdrawals reset for the 26-27 tax year and you have 5 more available. This is useful to cover my many RS payments made at the beginning of each month. Though I must remember to top up this flexible Cash ISA to it`s maximum at the beginning of next April to ensure I do not lose any of my ISA entitlement built up over the last few years.

liger

Question about ISA flexibility:  I opened a Monument Flexible ISA this year with contributions from this tax year.  I then did a transfer to Kent Reliance ISA which is Non-Flexible when Monument dropped to 4% so I now longer have the flexiblility feature with the contributions with Kent Reliance.  I am now thinking about doing an ISA transfer from Kent Reliance to an existing Virgin Exclusive 3 ISA I have which is a Flexible ISA.  Will the contributions from this tax year have flexibility after they arrive in the Virgin Exclusive 3 Flexible ISA?

dc_scotland

ATOM BANK

Not sure if already mentioned, but Atom Bank have an Easy Access Cash ISA paying 4.25%.  New money only, no transfers in.

https://www.atombank.co.uk/savings/isa/easy-access-cash-isa/

SickGroove

dc_scotland said:

ATOM BANK

Not sure if already mentioned, but Atom Bank have an Easy Access Cash ISA paying 4.25%.  New money only, no transfers in.

https://www.atombank.co.uk/savings/isa/easy-access-cash-isa/

Can I open an easy access cash ISA from 6th April 2026 & just keep adding into it with new money every month, until the 20K threshold is met? 

I've got the 18 mouth Nationwide 10K account maturity next October, so would want to put that in as a lump sum...

Need to max out the 20K whilst I still can!