Cash ISAs: The Best Currently Available List
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Kazza242
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 2024/25 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):
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.
**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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 2024/25 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):
- Chip Cash ISA - 5.10%
Minimum deposit: £1.
Operated via: Mobile app.
Notes: This is a flexible cash ISA. - Tipton & Coseley BS Limited Edition ISA (Mobile App Account) - 4.85%
Minimum deposit: £1,000.
Operated via: Mobile app.
Notes: This is NOT a flexible cash ISA. Maximum investment is £60,000.
Guaranteed to be 1.00% higher than Branch ISA (Issue 5) until 30/09/25. - Tipton & Coseley BS Limited Edition ISA - 4.85%
Minimum deposit: £1,000.
Operated via: Branch or Post.
Notes: This is NOT a flexible cash ISA. Maximum investment is £60,000.
Guaranteed to be 1.00% higher than Branch ISA (Issue 5) until 30/09/25. - Marcus by Goldman Sachs Cash ISA - 4.75%
Minimum deposit: £1.
Operated via: Internet.
Notes: This is NOT a flexible cash ISA.
Rate includes a 0.49% bonus for 12 months. - Saga Cash ISA - 4.75%
Minimum deposit: £1.
Operated via: Internet or Telephone.
Notes: This is NOT a flexible cash ISA.
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):
2 Year Fixes: - Bath BS Two Year Fixed Rate ISA (issue 5) - 4.60% **New
Minimum deposit: £1.
Notes: Fixed for two years from account opening. .
Variable Rate (Easy Access) Cash ISAs that accept transfers in: - Plum Cash ISA - 5.17%
Minimum deposit: £1.
Operated via: Mobile app.
Notes: This is NOT a flexible cash ISA.
Important: Rate includes a 0.88% variable bonus for the first 12 months.
Bonus rate not paid on funds from an ISA transferred in. - Zopa Smart ISA - 5.08%
Minimum deposit: £1.
Operated via: Mobile app.
Notes: This is a flexible cash ISA. - Family BS Market Tracker Cash ISA (issue 2) - 4.86%
Minimum deposit: £500.
Operated via: Branch, Internet or Post.
Notes: This is NOT a flexible cash ISA. - Kent Reliance Easy Access Cash ISA (issue 50) - 4.86% **New
Minimum deposit: £1,000.
Operated via: Branch or Internet.
Notes: This is NOT a flexible cash ISA. - Cynergy Bank Online ISA (issue 45) - 4.82% **New
Minimum deposit: £1
Operated via: Internet.
Notes: This is NOT a flexible cash ISA.
ISA transfers in are only permitted on account opening. - Charter Savings Bank Easy Access Cash ISA (issue 45) - 4.81%
Minimum deposit: £5,000.
Operated via: Internet.
Notes: This is NOT a flexible cash ISA. - Virgin Money Easy Access Cash ISA Exclusive (issue 2) - 4.76%
Minimum deposit: £1.
Operated via: Internet, Mobile app, Post or Telephone.
Notes: This is a flexible cash ISA.
To qualify for this ISA you need to have a current account with Virgin Money which was opened on or after 04/12/2019. Or, you originally opened your current account with Clydesdale Bank, Yorkshire Bank or B such as a Signature Current Account. - Principality BS Online Bonus ISA (issue 6) - 4.75%
Minimum deposit: £1.
Operated via: Internet.
Notes: This is a flexible cash ISA.
Important: Rate includes a 0.65% bonus for the first year. - Leeds BS Limited Issue Online Access ISA (issue 71) - 4.75%
Minimum deposit: £1,000.
Operated via: Internet.
Notes: This is NOT a flexible cash ISA.
The term is fixed until 01/06/2026.
Variable Rate Cash ISAs with withdrawal restrictions & accepting transfers in: - Moneybox Cash ISA - 5.16%
Minimum deposit: £500
Operated via: Internet.
Notes: This is NOT a flexible cash ISA. Allows 3 penalty-free withdrawal per account year.
The rate includes 0.91% bonus for 12 months. - Newcastle BS Single Access ISA (issue 1) - 5.00%
Minimum deposit: £1.
Operated via: Branch, Internet, Post or Telephone.
Notes: This is a flexible cash ISA. Allows 1 penalty-free withdrawal every 12 months. - Paragon Bank Double Access Cash ISA (issue 3) - 4.95%
Minimum deposit: £1,000
Operated via: Internet.
Notes: This is a flexible cash ISA. Allows 2 penalty-free withdrawal every 12 months. - Principality BS Branch 5 Access Bonus Cash ISA - 4.80%
Minimum deposit: £1.
Operated via: Branch, Internet or Post.
Notes: This is a flexible cash ISA. Allows 5 penalty-free withdrawals per tax year.
Important: Rate includes a 1.25% bonus for the first 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. - West Brom BS WeBSave 60 Day Notice ISA (issue 2) - 5.10%
Minimum deposit: £1
Operated via: Internet.
Notes: This is NOT a flexible cash ISA. Requires 60 days' notice to be provided. - Marsden BS Branch Bonus Cash ISA Notice Saver 150 (issue 2) - 5.05%
Minimum deposit: £20,000 (to qualify for the higher rate)
Operated via: Branch.
Notes: This is NOT a flexible cash ISA. Requires 150 days' notice to be provided.
Pays 5.05% on balances totalling £20,000 and above and 4.50% on £5,000 - £19,999.
A bonus of 0.50% payable to 30/04/2025. - Furness BS 90 Day Notice ISA (issue 1) - 5.01%
Minimum deposit: £1,000
Operated via: Branch, Post or Telephone.
Notes: This is a flexible cash ISA. Requires 90 days' notice to be provided. - Earl Shilton BS 180 Day Notice Cash ISA - 5.00%
Minimum deposit: £10
Operated via: Branch or Post.
Notes: This is a flexible cash ISA. Requires 180 days' notice to be provided. - Teachers BS Cash ISA Notice 120 (issue 1) - 5.00%
Minimum deposit: £1,000
Operated via: Internet or Telephone.
Notes: This is NOT a flexible cash ISA. Requires 120 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: - Virgin Money 1 Year Fixed Rate Cash ISA Exclusive (issue 12) - 5.05%
Minimum deposit: £1.
Notes: Fixed until 31/04/2025.
Available to Virgin Money current account customers whose accounts were opened on or after 04/12/2019. Or those who originally opened their current account with Clydesdale Bank, Yorkshire Bank or B such as a Signature Current Account. - United Trust Bank Cash ISA 1 Year Bond - 4.73% **New
Minimum deposit: £5,000.
Notes: Fixed for one year from account opening. - Oak North Fixed Rate Cash ISA - 4.72%
Minimum deposit: £1.
Notes: Fixed for one year from account opening. - Shawbrook Bank 1 Year Fixed Rate Cash ISA Bond (issue 94) - 4.72%
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening. - Paragon Bank 1 Year Fixed Rate Cash ISA - 4.71%
Minimum deposit: £500.
Notes: Fixed for one year from account opening. - Charter Savings Bank 1 Year Fixed Rate Cash ISA - 4.71%
Minimum deposit: £5,000.
Notes: Fixed for one year from account opening. - Cynergy Bank Fixed Rate Cash ISA - 4.70%
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 4.71%. - Kent Reliance 1 Year Fixed Rate Cash ISA (issue 97) - 4.70% **New
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening. - Secure Trust Bank 1 Year Fixed Rate Cash ISA - 4.70%
Minimum deposit: £1,000.
Notes: Fixed until 09/06/2025. - Tipton & Coseley BS Fixed Rate Cash ISA - 4.70%
Minimum deposit: £1,000.
Notes: Fixed until 31/05/2025.
Mobile app and branch-based editions of this ISA are available. - Close Brothers Savings 1 Year Fixed Rate Cash ISA - 4.70%
Minimum deposit: £10,000.
Notes: Fixed for one year from account opening. - Zopa Smart ISA - 1 Year Fixed Term ISA Pot - 4.65%
Minimum deposit: £1.
Notes: Fixed for one year from account opening. - Post Office Online ISA Fixed Rate (issue 48) - 4.65%
Minimum deposit: £500.
Notes: Fixed for one year from account opening. - Aldermore 1 Year Fixed Rate Cash ISA - 4.65% **New
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening. - Monmouthshire BS 1 Year Fixed Rate ISA (issue 34) - 4.65%
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening. - Virgin Money 1 Year Fixed Rate Cash E-ISA (issue 637) - 4.61%
Minimum deposit: £1.
Notes: Fixed until 24/04/2025. - Leeds BS 1 Year Fixed Rate Cash ISA (issue 203) - 4.60%
Minimum deposit: £100.
Notes: Fixed until 02/06/2025. - NatWest 1 Year Fixed Rate Cash ISA (issue 346) - 4.60%
Minimum deposit: £1,000.
Notes: Fixed until 02/07/2025. - Royal Bank of Scotland 1 Year Fixed Rate Cash ISA (issue 346) - 4.60%
Minimum deposit: £1,000.
Notes: Fixed until 19/06/2025.
14 Month + Fixes: - TSB 18 Month Fixed Rate Cash ISA - 4.50%
Minimum deposit: £1.
Notes: Fixed for 18 months from account opening.
2 Year Fixes: - Oak North Fixed Rate Cash ISA - 4.63% **New
Minimum deposit: £1.
Notes: Fixed for two years from account opening. - Shawbrook Bank 2 Year Fixed Rate Cash ISA Bond (issue 82) - 4.63% **New
Minimum deposit: £1,000.
Notes: Fixed for two years from account opening. - Nottingham BS Fixed Rate ISA (issue 178) - 4.60%
Minimum deposit: £500.
Notes: Fixed until 31/05/2026. - Secure Trust Bank 2 Year Fixed Rate Cash ISA - 4.60%
Minimum deposit: £1,000.
Notes: Fixed until 08/06/2026. - Paragon Bank 2 Year Fixed Rate Cash ISA - 4.55% **New
Minimum deposit: £500.
Notes: Fixed for two years from account opening. - United Trust Bank Cash ISA 2 Year Bond - 4.55% **New
Minimum deposit: £5,000.
Notes: Fixed for two years from account opening. - Zopa Smart ISA - 2 Year Fixed Term ISA Pot - 4.50%
Minimum deposit: £1.
Notes: Fixed for two years from account opening. - Ford Money Fixed Cash ISA 2 Year - 4.50%
Minimum deposit: £500.
Notes: Fixed for two years from account opening. - Aldermore 2 Year Fixed Rate Cash ISA - 4.50% **New
Minimum deposit: £1,000.
Notes: Fixed for two years from account opening. - Close Brothers Savings 2 Year Fixed Rate Cash ISA - 4.50%
Minimum deposit: £10,000.
Notes: Fixed for two years from account opening. - Hodge Bank 2 Year Fixed Rate Cash ISA - 4.45%
Minimum deposit: £1,000.
Notes: Fixed for two years from account opening. - Tipton & Coseley BS Fixed Rate Cash ISA - 4.45% **New
Minimum deposit: £1,000.
Notes: Fixed until 31/05/2026.
Mobile app and branch-based editions of this ISA are available.
3 Year Fixes: - Shawbrook Bank 3 Year Fixed Rate Cash ISA Bond (issue 55) - 4.41% **New
Minimum deposit: £1,000.
Notes: Fixed for three years from account opening. - Oak North Fixed Rate Cash ISA - 4.40%
Minimum deposit: £1.
Notes: Fixed for three years from account opening. - Secure Trust Bank 3 Year Fixed Rate Cash ISA - 4.35% **New
Minimum deposit: £1,000.
Notes: Fixed until 07/06/2027. - Paragon Bank 3 Year Fixed Rate Cash ISA - 4.30% **New
Minimum deposit: £500.
Notes: Fixed for three years from account opening. - Zopa Smart ISA - 3 Year Fixed Term ISA Pot - 4.21%
Minimum deposit: £1.
Notes: Fixed for three years from account opening. - Castle Trust Bank Fixed Rate e-Cash ISA - 4.20% **New
Minimum deposit: £1,000.
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 - 4.20%
Minimum deposit: £10,000.
Notes: Fixed for three years from account opening. - Leeds BS 3 Year Fixed Rate Cash ISA (issue 151) - 4.15%
Minimum deposit: £100.
Notes: Fixed until 02/06/2027. - Nottingham BS Fixed Rate ISA (issue 179) - 4.15%
Minimum deposit: £500.
Notes: Fixed until 31/05/2027. - Hodge Bank 3 Year Fixed Rate Cash ISA - 4.15%
Minimum deposit: £1,000.
Notes: Fixed for three years from account opening. - Tipton & Coseley BS Fixed Rate Cash ISA - 4.15% **New
Minimum deposit: £1,000.
Notes: Fixed until 31/05/2027.
Mobile app and branch-based editions of this ISA are available. - Newbury BS ISA Fixed Rate Bond - 4.15%
Minimum deposit: £5,000.
Notes: Fixed until 24/03/2027.
You can add between £5,000 - £50,000 (maximum investment) to this ISA account. - United Trust Bank Cash ISA 3 Year Bond - 4.15%
Minimum deposit: £5,000.
Notes: Fixed for three years from account opening.
4 Year Fixes: - UBL UK Fixed Rate Cash ISA - 4.05%
Minimum deposit: £2,000.
Notes: Fixed for four years from account opening. - Zopa Smart ISA - 4 Year Fixed Term ISA Pot - 4.01%
Minimum deposit: £1.
Notes: Fixed for four years from account opening.
5 Year Fixes: - Shawbrook Bank 5 Year Fixed Rate Cash ISA Bond (issue 46) - 4.07% **New
Minimum deposit: £1,000.
Notes: Fixed for five years from account opening. - UBL UK Fixed Rate Cash ISA - 4.06% **New
Minimum deposit: £2,000.
Notes: Fixed for five years from account opening. - Nottingham BS Fixed Rate ISA (issue 180) - 4.05%
Minimum deposit: £500.
Notes: Fixed until 31/05/2029. - Secure Trust Bank 5 Year Fixed Rate Cash ISA - 4.05% **New
Minimum deposit: £1,000.
Notes: Fixed until 06/06/2029. - Close Brothers Savings 5 Year Fixed Rate Cash ISA - 4.05%
Minimum deposit: £10,000.
Notes: Fixed for five years from account opening. - Zopa Smart ISA - 5 Year Fixed Term ISA Pot - 4.01%
Minimum deposit: £1.
Notes: Fixed for five years from account opening. - Halifax Bank ISA Saver Fixed - 4.00%
Minimum deposit: £500.
Notes: Fixed for five years from account opening. - Paragon Bank 5 Year Fixed Rate Cash ISA - 4.00%
Minimum deposit: £500.
Notes: Fixed for five years from account opening.
Currently available to existing Paragon Bank customers only.
Regular Saver ISAs: - Melton BS Regular Saver ISA - 5.00%
Minimum deposit: £1. Operated via: Branch
Monthly deposit: £0 - £1,600 (up to £2,400 deposit allowed for the first deposit)
Matures on 05/04/2025. No withdrawals permitted.
Notes: Open in branch only. From March 2025 the balance can be made up to £20,000.
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. - Moneybox Cash Lifetime ISA - 4.40%
Minimum deposit: £1. Operated via: Mobile App.
Important: Rate includes a 0.90% one year fixed bonus.
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.
Please call me 'Kazza'.
16
Comments
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Bradford & Bingley eISA, 5.55%, £1000 minimum, rate guaranteed to match BoE base rate until June 2007, accepts transfer in.0
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Bradford & Bingley eISA, 5.55%, £1000 minimum, rate guaranteed to match BoE base rate until June 2007, accepts transfer in.0
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Superb work Kazza. :T
For those looking for a longer term perhaps this 4 year deal:
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.
"The state is the great fiction by which everybody seeks to live at the expense of everybody else." -- Frederic Bastiat, 1848.0 -
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....0
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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?0 -
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 compare0
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Well done Kazza.
Will you undertake to do one for after 6th April for those of us who are already committed for 2006/7? ;-)0 -
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.Please call me 'Kazza'.0 -
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.Please call me 'Kazza'.0
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