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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 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:
Marsden BS Tracker Cash ISA Bond (issue 1) - 5.15%
Minimum deposit: £5,000
Operated via: Branch or Post.
Notes: This is NOT a flexible cash ISA. No partial withdrawals prior to 30/06/2026.
A variable rate of interest that tracks at 0.10% below the Bank of England base rate until 30/06/2026.

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.
Cynergy Bank Online ISA (issue 45) - 4.90%
Minimum deposit: £1
Operated via: Internet.
Notes: This is NOT a flexible cash ISA.
ISA transfers in are only permitted on account opening.
Post Office Money Online ISA - Easy Access (issue 40) - 4.90%
Minimum deposit: £100.
Operated via: Internet.
Notes: This is NOT a flexible cash ISA.
The rate includes a 3.35% bonus for 12 months.
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.
Principality BS Online Bonus ISA (issue 5) - 4.85%
Minimum deposit: £1.
Operated via: Internet.
Notes: This is a flexible cash ISA.
Important: Rate includes a 0.75% bonus for the first year.
Kent Reliance Easy Access Cash ISA (issue 49) - 4.82%
Minimum deposit: £1,000.
Operated via: Branch or Internet.
Notes: This is NOT a flexible cash ISA.
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.
Skipton BS Step Up Cash ISA Saver (issue 2) - 4.80%
Minimum deposit: £40,000 (to qualify for the higher rate).
Operated via: Branch, Internet, Post or Telephone.
Notes: This is a flexible cash ISA.
A rate of 4.80% is paid on balances totalling £40,000+, 4.30% on £20,000 - £39,999 and 3.80% on £1 - £19,999.
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.
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.
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.
Virgin Money Defined Access Cash E-ISA (issue 27) - 4.85% **New
Minimum deposit: £1.
Operated via: Internet.
Notes: This is NOT a flexible cash ISA. Allows 3 penalty-free withdrawals per calendar year.
Yorkshire BS Loyalty Six Access eISA 2024 - 4.85%**
Minimum deposit: £1
Operated via: Internet.
Notes: This is a flexible cash ISA.
Allows 6 penalty-free withdrawal days during the one year term.
On the anniversary of your account opening date, your savings will be transferred to an easy access ISA.
**This ISA pays 4.85% on the portion of your balance between £1 - £20,000 and 4.75% on £20,000.01+.
To be eligible for this account you must have had an open YBS account (savings or mortgage) for at least the 12 continuous and consecutive months prior to applying and already be registered for online access.
Yorkshire BS Loyalty Six Access ISA 2024 - 4.85%**
Minimum deposit: £1
Operated via: Branch, Internet or Post.
Notes: This is a flexible cash ISA.
Allows 6 penalty-free withdrawal days during the one year term.
On the anniversary of your account opening date, your savings will be transferred to an easy access ISA.
**This ISA pays 4.85% on the portion of your balance between £1 - £20,000 and 4.75% on £20,000.01+.
To be eligible for this account you must have had an open account (savings or mortgage) with Yorkshire BS, Chelsea BS or Norwich & Peterborough BS or YBS Share Plans for at least the 12 continuous and consecutive months prior to the date of application.
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 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% **New
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.
Shawbrook Bank 1 Year Fixed Rate Cash ISA Bond (issue 93) - 4.71% **New
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening.
Zopa Smart ISA - 1 Year Fixed Term ISA Pot - 4.75%
Minimum deposit: £1.
Notes: Fixed for one year from account opening.
United Trust Bank Cash ISA 1 Year Bond - 4.73%
Minimum deposit: £5,000.
Notes: Fixed for one year from account opening.
Oak North Fixed Rate Cash ISA - 4.70% **New
Minimum deposit: £1.
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%.
Hodge Bank 1 Year Fixed Rate Cash ISA - 4.70%
Minimum deposit: £1,000.
Notes: Fixed for one year from account opening.
Charter Savings Bank 1 Year Fixed Rate Cash ISA - 4.70%
Minimum deposit: £5,000.
Notes: Fixed for one year from account opening.
Marsden BS Fixed Rate Cash ISA (issue 212) - 4.70% **New
Minimum deposit: £5,000.
Notes: Fixed until 31/05/2025.
Sainsbury's Bank Fixed Rate Cash ISA - 4.70%
Minimum deposit: £5,000.
Notes: Fixed for one year from account opening.
Close Brothers Savings 1 Year Fixed Rate Cash ISA - 4.70% **New
Minimum deposit: £10,000.
Notes: Fixed for one year from account opening.

14 Month + Fixes:
Nottingham BS Fixed Rate ISA (issue 169) - 4.60%
Minimum deposit: £500.
Notes: Fixed until 31/05/2025.
Skipton BS 18 Month Fixed Rate ISA (issue 246.5) - 4.60%
Minimum deposit: £5,000.
Notes: Fixed for 18 months from account opening.
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 - 4.62% **New
Minimum deposit: £1.
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.
Furness BS 2 Year Fixed Rate ISA - 4.60%
Minimum deposit: £1,000.
Notes: Fixed for two years from account opening.
Close Brothers Savings 2 Year Fixed Rate Cash ISA - 4.60%
Minimum deposit: £10,000.
Notes: Fixed for two years from account opening.
Zopa Smart ISA - 2 Year Fixed Term ISA Pot - 4.55%
Minimum deposit: £1.
Notes: Fixed for two years from account opening.
Castle Trust Bank Fixed Rate e-Cash ISA - 4.55%
Minimum deposit: £1,000.
Notes: Fixed for two years from account opening.
Marsden BS Fixed Rate ISA (issue 204) - 4.55%
Minimum deposit: £5,000.
Notes: Fixed until 31/05/2026.

3 Year Fixes:
Shawbrook Bank 3 Year Fixed Rate Cash ISA Bond (issue 54) - 4.40% **New
Minimum deposit: £1,000.
Notes: Fixed for three years from account opening.
Oak North Fixed Rate Cash ISA - 4.39%
Minimum deposit: £1.
Notes: Fixed for three years from account opening.
UBL UK Fixed Rate Cash ISA - 4.39%
Minimum deposit: £2,000.
Notes: Fixed for three years from account opening.
Castle Trust Bank Fixed Rate e-Cash ISA - 4.30%
Minimum deposit: £1,000.
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.
Close Brothers Savings 3 Year Fixed Rate Cash ISA - 4.20% **New
Minimum deposit: £10,000.
Notes: Fixed for three years from account opening.
Leeds BS 3 Year Fixed Rate Cash ISA (issue 151) - 4.15% **New
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.
Newbury BS ISA Fixed Rate Bond - 4.15% **New
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% **New
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.
Gatehouse Bank 4 Year Fixed Term Woodland Cash ISA - 3.90%
Minimum deposit: £1,000.
Notes: Fixed for four years from account opening.

5 Year Fixes:
UBL UK Fixed Rate Cash ISA - 4.16%
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.
Close Brothers Savings 5 Year Fixed Rate Cash ISA - 4.05%
Minimum deposit: £10,000.
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.
Zopa Smart ISA - 5 Year Fixed Term ISA Pot - 4.01%
Minimum deposit: £1.
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.
Castle Trust Bank Fixed Rate e-Cash ISA - 4.00%
Minimum deposit: £1,000.
Notes: Fixed for five years from account opening.
Furness BS 5 Year Fixed Rate ISA - 4.00%
Minimum deposit: £1,000.
Notes: Fixed for five years from account opening.

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.
Nottingham BS Starter ISA (issue 12) - 5.00%
Minimum deposit: £10. Operated via: Branch
Monthly deposit: £0 - £1,500.
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.
Saffron BS Regular Saver ISA - 4.75%
Minimum deposit: £10. Operated via: Branch, Internet, Post or Telephone
Monthly deposit: £0 - £1,650.
Matures 12 months from account opening. Unlimited withdrawals permitted.
Notes: Open in branch or via post only.

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.

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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