Cash ISA
Best flexible Cash ISA rates
On 6 October 2026, the highest rate on a flexible Cash ISA in our tables was 5.06% AER, on a 3 year fix, and the highest on a flexible easy access account was 4.86% AER. 56 of the 184 Cash ISAs we track are flexible, ranked below by rate alone. Flexible describes what happens to your allowance, not how quickly you can get at your money: the Access line on each card shows that. Every rate is checked by hand on the provider's own page.
Best flexible Cash ISAs
Checked 6 October 2026. Ranked by rate. Links marked "Ad" can earn us commission, which never changes the order. How we make money
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1. Kent Reliance
Three Year Fixed Rate Cash ISA (Issue 6)
5.06%
AER fixed
- Access
- 3 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Taking money out or transferring out costs a loss of interest (the days are in the key features shown when you apply), and you cannot add money after the first 30 days.
- How to open
- Online
- Your money is held by
- OneSavings Bank plc
- Good to know
- Fund it within 30 days of opening. Interest paid annually or monthly (4.95% gross monthly, same 5.06% AER). Balance must stay at £1,000 or more.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Kent Reliance
- All Kent Reliance Cash ISAs compared
- Legal name
- OneSavings Bank plc (trading as Kent Reliance)
- Country of incorporation
- England and Wales
- Principal place of business
- Chatham, Kent, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 530504)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
2. Kent Reliance
Two Year Fixed Rate Cash ISA (Issue 6)
5.02%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Taking money out or transferring out costs a loss of interest (the days are in the key features shown when you apply), and you cannot add money after the first 30 days.
- How to open
- Online
- Your money is held by
- OneSavings Bank plc
- Good to know
- Fund it within 30 days of opening. Interest paid annually or monthly (4.91% gross monthly, same 5.02% AER). Balance must stay at £1,000 or more.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Kent Reliance
- All Kent Reliance Cash ISAs compared
- Legal name
- OneSavings Bank plc (trading as Kent Reliance)
- Country of incorporation
- England and Wales
- Principal place of business
- Chatham, Kent, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 530504)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
3. Vida Savings
5 Year Fixed Rate ISA
5.00%
AER fixed
- Access
- 5 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdrawals and transfers out before the end of the term cost 360 days' interest. Flexible ISA: money withdrawn can be replaced in the same tax year.
- How to open
- Online
- Your money is held by
- Vida Bank Limited
- Good to know
- Online only (website or app); needs a UK bank account in your name. Deposits accepted for the first 21 days only.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Vida Bank Limited (trading as Vida Savings)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 1 Battle Bridge Lane, London SE1 2HP)
- Regulatory status
- Vida Bank, Vida Savings and Vida Homeloans are trading names of Vida Bank Limited, registered in England and Wales with company number 09837692. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Financial Services Register Firm Reference Number 738741 (FRN 738741)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
4. Kent Reliance
One Year Fixed Rate Cash ISA (Issue 7)
4.95%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Taking money out or transferring out costs a loss of interest (the days are in the key features shown when you apply), and you cannot add money after the first 30 days.
- How to open
- Online
- Your money is held by
- OneSavings Bank plc
- Good to know
- Fund it within 30 days of opening. Interest paid annually or monthly (4.84% gross monthly, same 4.95% AER). Balance must stay at £1,000 or more.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Kent Reliance
- All Kent Reliance Cash ISAs compared
- Legal name
- OneSavings Bank plc (trading as Kent Reliance)
- Country of incorporation
- England and Wales
- Principal place of business
- Chatham, Kent, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 530504)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
5. Vida Savings
3 Year Fixed Rate ISA
4.95%
AER fixed
- Access
- 3 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdrawals and transfers out before the end of the term cost 270 days' interest. Flexible ISA: money withdrawn can be replaced in the same tax year.
- How to open
- Online
- Your money is held by
- Vida Bank Limited
- Good to know
- Online only (website or app); needs a UK bank account in your name. Deposits accepted for the first 21 days only.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Vida Bank Limited (trading as Vida Savings)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 1 Battle Bridge Lane, London SE1 2HP)
- Regulatory status
- Vida Bank, Vida Savings and Vida Homeloans are trading names of Vida Bank Limited, registered in England and Wales with company number 09837692. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Financial Services Register Firm Reference Number 738741 (FRN 738741)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
6. Vida Savings
2 Year Fixed Rate ISA
4.91%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdrawals and transfers out before the end of the term cost 180 days' interest. Flexible ISA: money withdrawn can be replaced in the same tax year.
- How to open
- Online
- Your money is held by
- Vida Bank Limited
- Good to know
- Online only (website or app); needs a UK bank account in your name. Deposits accepted for the first 21 days only.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Vida Bank Limited (trading as Vida Savings)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 1 Battle Bridge Lane, London SE1 2HP)
- Regulatory status
- Vida Bank, Vida Savings and Vida Homeloans are trading names of Vida Bank Limited, registered in England and Wales with company number 09837692. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Financial Services Register Firm Reference Number 738741 (FRN 738741)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
7. Chip
Smart Cash ISA
4.86%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Includes a 1.36% AER boost for new customers for 12 months; reverts to the standard 3.50% AER variable tracker rate (Bank of England base rate minus 0.30%) after that.
Details and provider information
- Withdrawals
- Unlimited withdrawals, paid to your linked bank account the next working day, no fee. Accepts whole Cash ISA transfers in from other providers, not partial transfers. Closing or transferring out forfeits any unpaid interest.
- How to open
- App
- Your money is held by
- Barclays, Lloyds, Virgin Money, HSBC, Santander, National Bank of Kuwait (International) and Qatar National Bank (panel subject to change)
- Good to know
- Chip does not publish a specific minimum deposit figure for this account; used £1 as the effective minimum. Chip lists the banks holding deposits as Barclays, Lloyds, Virgin Money, HSBC, Santander, National Bank of Kuwait (International) and Qatar National Bank, subject to change, each covered separately up to £120,000 by the FSCS.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Chip Financial Wealth Ltd
- Country of incorporation
- England and Wales
- Principal place of business
- Sixth Floor, Fora Montacute Yards, 186 Shoreditch High Street, London, E1 6HU
- Regulatory status
- Authorised and regulated by the Financial Conduct Authority (FRN 1005114)
- Deposit protection
- Not stated
- Complaints
- Financial Ombudsman Service
-
8. Barclays
Premier Triple Access 2-Year Flexible Cash ISA (Issue 5)
4.81%
AER fixed
- Access
- 2 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Three withdrawals allowed during the term, each up to 10% of the balance at the time. Closing or transferring out early costs 180 days' interest.
- How to open
- App, online banking, branch or phone
- Your money is held by
- Barclays Bank UK PLC
- Good to know
- For Barclays Premier customers only. A transfer reward of up to £600 for moving in £10,000 or more from another provider by 25 November 2026.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Barclays
- All Barclays Cash ISAs compared
- Legal name
- Barclays Bank UK PLC
- Country of incorporation
- England
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 759676)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Tesco Bank
- Complaints
- Financial Ombudsman Service
-
9. Barclays
Premier Triple Access 3-Year Flexible Cash ISA (Issue 4)
4.81%
AER fixed
- Access
- 3 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Three withdrawals allowed during the term, each up to 10% of the balance at the time. Closing or transferring out early costs 270 days' interest.
- How to open
- App, online banking, branch or phone
- Your money is held by
- Barclays Bank UK PLC
- Good to know
- For Barclays Premier customers only. A transfer reward of up to £600 for moving in £10,000 or more from another provider by 25 November 2026.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Barclays
- All Barclays Cash ISAs compared
- Legal name
- Barclays Bank UK PLC
- Country of incorporation
- England
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 759676)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Tesco Bank
- Complaints
- Financial Ombudsman Service
-
10. Vida Savings
1 Year Fixed Rate ISA
4.80%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdrawals and transfers out before the end of the term cost 90 days' interest. Flexible ISA: money withdrawn can be replaced in the same tax year.
- How to open
- Online
- Your money is held by
- Vida Bank Limited
- Good to know
- Online only (website or app); needs a UK bank account in your name. Deposits accepted for the first 21 days only.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Vida Bank Limited (trading as Vida Savings)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 1 Battle Bridge Lane, London SE1 2HP)
- Regulatory status
- Vida Bank, Vida Savings and Vida Homeloans are trading names of Vida Bank Limited, registered in England and Wales with company number 09837692. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Financial Services Register Firm Reference Number 738741 (FRN 738741)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
11. Barclays
Premier Triple Access 1-Year Flexible Cash ISA (Issue 5)
4.76%
AER fixed
- Access
- 1 year fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Three withdrawals allowed during the term, each up to 10% of the balance at the time. Closing or transferring out early costs 90 days' interest.
- How to open
- App, online banking, branch or phone
- Your money is held by
- Barclays Bank UK PLC
- Good to know
- For Barclays Premier customers only. A transfer reward of up to £600 for moving in £10,000 or more from another provider by 25 November 2026.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Barclays
- All Barclays Cash ISAs compared
- Legal name
- Barclays Bank UK PLC
- Country of incorporation
- England
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 759676)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Tesco Bank
- Complaints
- Financial Ombudsman Service
-
12. TSB
Fixed Rate Cash ISA (2 year term)
4.75%
AER fixed
- Access
- 2 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdrawals are allowed after 14 days but cost 180 days' interest on the amount taken out or transferred.
- How to open
- App (existing customers), online or branch
- Your money is held by
- TSB Bank plc
- Good to know
- All deposits and transfers must arrive within 30 days of opening. Matures into a Cash ISA Saver without the bonus.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from TSB
- All TSB Cash ISAs compared
- Legal name
- TSB Bank plc
- Country of incorporation
- Scotland
- Principal place of business
- Edinburgh, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 191240)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
13. TSB
Fixed Rate Cash ISA (3 year term)
4.75%
AER fixed
- Access
- 3 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdrawals are allowed after 14 days but cost 270 days' interest on the amount taken out or transferred.
- How to open
- App (existing customers), online or branch
- Your money is held by
- TSB Bank plc
- Good to know
- All deposits and transfers must arrive within 30 days of opening. Matures into a Cash ISA Saver without the bonus.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from TSB
- All TSB Cash ISAs compared
- Legal name
- TSB Bank plc
- Country of incorporation
- Scotland
- Principal place of business
- Edinburgh, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 191240)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
14. TSB
Fixed Rate Cash ISA (18 month term)
4.70%
AER fixed
- Access
- 18 months fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdrawals are allowed after 14 days but cost 135 days' interest on the amount taken out or transferred.
- How to open
- App (existing customers), online or branch
- Your money is held by
- TSB Bank plc
- Good to know
- All deposits and transfers must arrive within 30 days of opening. Matures into a Cash ISA Saver without the bonus.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from TSB
- All TSB Cash ISAs compared
- Legal name
- TSB Bank plc
- Country of incorporation
- Scotland
- Principal place of business
- Edinburgh, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 191240)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
15. Monzo
Fixed Rate Cash ISA (1 year)
4.70%
AER fixed
- Access
- 1 year fixed
- Minimum
- £500
- Transfers in
- No
- Flexible
- Yes
Details and provider information
- Withdrawals
- No access during the term. You can only close the whole Pot early and give up some of the interest earned (the app shows how much).
- How to open
- App
- Your money is held by
- Monzo Bank Limited
- Good to know
- Needs a Monzo current account (free); no ISA transfers in. At maturity the money moves to an Instant Access Pot.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Monzo
- All Monzo Cash ISAs compared
- Legal name
- Monzo Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 730427)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
16. Plum
Plum Cash ISA
4.66%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Includes a Plum bonus of 2.12% AER (variable) if kept for 12 consecutive months and other conditions are met; after 12 months the rate is 2.54% AER (variable).
Details and provider information
- Withdrawals
- Withdraw anytime without penalty. Flexible ISA, so money you replace in the same tax year doesn't use extra allowance.
- How to open
- App
- Your money is held by
- Citibank, QNB or Lloyds Bank
- Good to know
- The transfer-in rate for money moved from another ISA is 3.75% AER (including a 1.21% AER bonus), lower than the new-money rate.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Saveable Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Authorised and regulated by the Financial Conduct Authority (FRN 739214)
- Deposit protection
- Not stated
- Complaints
- Financial Ombudsman Service
-
17. Barclays
Single Access 2-Year Flexible Cash ISA (Issue 6)
4.60%
AER fixed
- Access
- 2 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- One withdrawal allowed during the term, up to 10% of the balance. Closing or transferring out early costs 180 days' interest.
- How to open
- App, online banking, branch or phone
- Your money is held by
- Barclays Bank UK PLC
- Good to know
- Current account holders get a £50 to £200 transfer reward (Premier up to £600) for moving in £10,000 or more from another provider by 25 November 2026.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Barclays
- All Barclays Cash ISAs compared
- Legal name
- Barclays Bank UK PLC
- Country of incorporation
- England
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 759676)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Tesco Bank
- Complaints
- Financial Ombudsman Service
-
18. Monzo
Fixed Rate Cash ISA (2 years)
4.60%
AER fixed
- Access
- 2 years fixed
- Minimum
- £500
- Transfers in
- No
- Flexible
- Yes
Details and provider information
- Withdrawals
- No access during the term. You can only close the whole Pot early and give up some of the interest earned (the app shows how much).
- How to open
- App
- Your money is held by
- Monzo Bank Limited
- Good to know
- Needs a Monzo current account (free); no ISA transfers in. At maturity the money moves to an Instant Access Pot.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Monzo
- All Monzo Cash ISAs compared
- Legal name
- Monzo Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 730427)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
19. Monzo
Fixed Rate Cash ISA (3 years)
4.60%
AER fixed
- Access
- 3 years fixed
- Minimum
- £500
- Transfers in
- No
- Flexible
- Yes
Details and provider information
- Withdrawals
- No access during the term. You can only close the whole Pot early and give up some of the interest earned (the app shows how much).
- How to open
- App
- Your money is held by
- Monzo Bank Limited
- Good to know
- Needs a Monzo current account (free); no ISA transfers in. At maturity the money moves to an Instant Access Pot.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Monzo
- All Monzo Cash ISAs compared
- Legal name
- Monzo Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 730427)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
20. Barclays
Single Access 1-Year Flexible Cash ISA (Issue 6)
4.55%
AER fixed
- Access
- 1 year fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- One withdrawal allowed during the term, up to 10% of the balance. Closing or transferring out early costs 90 days' interest.
- How to open
- App, online banking, branch or phone
- Your money is held by
- Barclays Bank UK PLC
- Good to know
- Current account holders get a £50 to £200 transfer reward (Premier up to £600) for moving in £10,000 or more from another provider by 25 November 2026.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Barclays
- All Barclays Cash ISAs compared
- Legal name
- Barclays Bank UK PLC
- Country of incorporation
- England
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 759676)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Tesco Bank
- Complaints
- Financial Ombudsman Service
-
21. Vida Savings
Double Access ISA Issue 2
4.36%
AER variable
- Access
- Easy access
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- Yes
4.36% AER with up to 2 withdrawals a year; 2.50% AER from the third until the account anniversary.
Details and provider information
- Withdrawals
- Up to 2 withdrawals every 12 months at the higher rate; the allowance resets on the account anniversary. Flexible ISA.
- How to open
- Online
- Your money is held by
- Vida Bank Limited
- Good to know
- Online only (website or app); needs a UK bank account in your name. Fund within 21 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Vida Bank Limited (trading as Vida Savings)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 1 Battle Bridge Lane, London SE1 2HP)
- Regulatory status
- Vida Bank, Vida Savings and Vida Homeloans are trading names of Vida Bank Limited, registered in England and Wales with company number 09837692. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Financial Services Register Firm Reference Number 738741 (FRN 738741)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
22. Kent Reliance
Easy Access Cash ISA (Issue 2)
4.24%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Access anytime with no notice, and money withdrawn can be replaced in the same tax year without using extra allowance.
- How to open
- Online
- Your money is held by
- OneSavings Bank plc
- Good to know
- Open online only. Interest paid annually or monthly (4.16% gross monthly, same 4.24% AER). Maximum balance £900,000. Needs Kent Reliance Online Services.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Kent Reliance
- All Kent Reliance Cash ISAs compared
- Legal name
- OneSavings Bank plc (trading as Kent Reliance)
- Country of incorporation
- England and Wales
- Principal place of business
- Chatham, Kent, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 530504)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
23. Ford Money
Flexible Cash ISA
4.21%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Unlimited penalty-free withdrawals; requests before 1pm on a working day reach your Connected Account the same day. Flexible ISA.
- How to open
- Online
- Your money is held by
- FCE Bank plc
- Good to know
- Online only; needs a Connected UK bank account. Fund within 21 days of opening; ISA transfers must complete within 21 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- FCE Bank plc (trading as Ford Money)
- Country of incorporation
- England and Wales
- Principal place of business
- Essex, UK (registered address: Arterial Road, Laindon, Essex SS15 6EE)
- Regulatory status
- Ford Money is a trading style of FCE Bank plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 204469. Registered in England and Wales, registration number 772784 (FRN 204469)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
24. Tesco Bank
Instant Access Cash ISA
4.20%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Includes a fixed bonus of 3.15 percentage points for the first 12 months; standard variable rate after is 1.05% Gross/AER.
Details and provider information
- Withdrawals
- Withdraw anytime with no notice, paid to a linked account in your own name. Flexible ISA, so money you replace in the same tax year doesn't use extra allowance.
- How to open
- Online, Phone
- Your money is held by
- Barclays Bank UK PLC
- Good to know
- Tesco Bank is a trading name of Barclays Bank UK PLC; FSCS protection is shared with other Barclays-brand accounts under the same banking licence.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Barclays Bank UK PLC (trading as Tesco Bank)
- Country of incorporation
- England
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 759676)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Barclays
- Complaints
- Financial Ombudsman Service
-
25. Yorkshire Building Society
Four Access eISA
4.05%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw on any 4 days in the year, though not in the first 14 days, and after 1 year the money moves to an online easy access ISA.
- How to open
- Online
- Your money is held by
- Yorkshire Building Society
- Good to know
- Limited access: 4 withdrawal days a year. Interest is paid once, a year after opening. Open online only. One Cash ISA per tax year with YBS.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Yorkshire Building Society
- All Yorkshire Building Society Cash ISAs compared
- Legal name
- Yorkshire Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Bradford, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 106085)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Chelsea Building Society and Norwich & Peterborough Building Society
- Complaints
- Financial Ombudsman Service
-
26. Skipton Building Society
Two Access Cash ISA Saver
3.90%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Two withdrawals a year with no notice or penalty and more only by closing the account, and money replaced in the same tax year doesn't use extra allowance.
- How to open
- Online, app, branch, phone or post
- Your money is held by
- Skipton Building Society
- Good to know
- Limited access: two withdrawals a year. The 12 month term runs from your first payment, then it moves to a lower rate Cash ISA. Interest annual or monthly.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Skipton
- All Skipton Cash ISAs compared
- Legal name
- Skipton Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Skipton, North Yorkshire, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 153706)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
27. Vida Savings
Easy Access ISA Issue 4
3.86%
AER variable
- Access
- Easy access
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw any time to your nominated bank account, another Vida account or another ISA provider. Flexible ISA: put money back in the same tax year.
- How to open
- Online
- Your money is held by
- Vida Bank Limited
- Good to know
- Online only (website or app); needs a UK bank account in your name. Fund within 21 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Vida Bank Limited (trading as Vida Savings)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 1 Battle Bridge Lane, London SE1 2HP)
- Regulatory status
- Vida Bank, Vida Savings and Vida Homeloans are trading names of Vida Bank Limited, registered in England and Wales with company number 09837692. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Financial Services Register Firm Reference Number 738741 (FRN 738741)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
28. Skipton Building Society
Four Access Cash ISA Saver
3.65%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Four withdrawals a year with no notice or penalty and more only by closing the account, and money replaced in the same tax year doesn't use extra allowance.
- How to open
- Online, app, branch, phone or post
- Your money is held by
- Skipton Building Society
- Good to know
- Limited access: four withdrawals a year. The 12 month term runs from your first payment, then it moves to a lower rate Cash ISA. Interest annual or monthly.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Skipton
- All Skipton Cash ISAs compared
- Legal name
- Skipton Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Skipton, North Yorkshire, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 153706)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
29. Furness Building Society
Double Access Saver ISA Issue 1 (Tax Year 2026/2027)
3.65%
AER variable
- Access
- Easy access
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
3.65% AER with 2 or fewer withdrawals per anniversary year; a third moves you to an access ISA at a different rate.
Details and provider information
- Withdrawals
- Up to two withdrawals per anniversary year; a third moves the account to an access ISA. Withdrawn amounts can be replaced in the same tax year.
- How to open
- Online, Branch, Post
- Your money is held by
- Furness Building Society
- Good to know
- Opening this share account makes you a member of the society. For UK residents aged 18 or over.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Furness Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Barrow-in-Furness, Cumbria, UK (head office: Emlyn Hughes House, Abbey Road, Barrow-in-Furness, Cumbria LA14 5PQ)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. On the Financial Services Register under registration number 159624 (FRN 159624)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
30. Yorkshire Building Society
Easy Access ISA (Issue 2)
3.60%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw as often as you want, though not in the first 14 days, and money replaced in the same tax year doesn't use extra allowance.
- How to open
- Online
- Your money is held by
- Yorkshire Building Society
- Good to know
- Open online only. One Cash ISA per customer per tax year with YBS, and no joint accounts. Keep at least £1 in the account to keep it open.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Yorkshire Building Society
- All Yorkshire Building Society Cash ISAs compared
- Legal name
- Yorkshire Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Bradford, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 106085)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Chelsea Building Society and Norwich & Peterborough Building Society
- Complaints
- Financial Ombudsman Service
-
31. Trading 212
Cash ISA
3.60%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Instant access: withdraw any amount at any time, with no limit. Flexible ISA, so money replaced in the same tax year doesn't use extra allowance.
- How to open
- App
- Your money is held by
- Partner banks including Barclays, NatWest and J.P. Morgan Chase (list in the Trading 212 app; not individually named on the website)
- Good to know
- Rate tracks the Bank of England base rate minus 0.15%. A promo link or code may give new clients a temporary bonus not in this rate.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- Legal name
- Trading 212 UK Ltd
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Authorised and regulated by the Financial Conduct Authority (FRN 609146)
- Deposit protection
- FSCS, up to £120,000 per person per partner bank (Cash ISA money is held at partner banks including Barclays, NatWest and J.P. Morgan Chase)
- Complaints
- Financial Ombudsman Service
-
32. Coventry Building Society
6 Access ISA, 1 Year (3)
3.60%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Six withdrawals with no charge, then 50 days' interest from the seventh (including closure), and money replaced in the same tax year doesn't use extra allowance.
- How to open
- Online, app, phone, branch or post
- Your money is held by
- Coventry Building Society
- Good to know
- Limited access: 6 free withdrawals. After 12 months it moves to Easy Access ISA (Maturity) at a lower rate. Limited issue that can close without notice.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Coventry Building Society
- All Coventry Building Society Cash ISAs compared
- Legal name
- Coventry Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Coventry, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 150892)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
33. Aldermore
60 Day Notice Cash ISA Issue 12
3.51%
AER variable
- Access
- 60-day notice
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Give 60 days' notice to withdraw, or take an interest deduction for immediate access.
- How to open
- Online
- Your money is held by
- Aldermore Bank PLC
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Aldermore Bank PLC
- Country of incorporation
- England
- Principal place of business
- Reading, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 204503)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
34. Nationwide Building Society
1 Year Triple Access ISA
3.30%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw up to 3 times in the 12 month term at the full rate, after which a 4th withdrawal drops the rate to 1.05% AER for the rest of the term.
- How to open
- App, Online, Branch
- Your money is held by
- Nationwide Building Society
- Good to know
- Limited access: 3 withdrawals a term. After 12 months the balance moves into an instant access Cash ISA at a lower rate. Transfers in only when you open it.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Nationwide
- All Nationwide Cash ISAs compared
- Legal name
- Nationwide Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Swindon, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 106078)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Virgin Money
- Complaints
- Financial Ombudsman Service
-
35. Skipton Building Society
Six Access Cash ISA Saver
3.30%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Six withdrawals a year with no notice or penalty and more only by closing the account, and money replaced in the same tax year doesn't use extra allowance.
- How to open
- Online, app, branch, phone or post
- Your money is held by
- Skipton Building Society
- Good to know
- Limited access: six withdrawals a year. The 12 month term runs from your first payment, then it moves to a lower rate Cash ISA. Interest annual or monthly.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Skipton
- All Skipton Cash ISAs compared
- Legal name
- Skipton Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Skipton, North Yorkshire, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 153706)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
36. Furness Building Society
90 Day Notice Cash ISA Issue 2 (Tax Year 2026/2027)
3.26%
AER variable
- Access
- 90-day notice
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Give 90 days' notice to withdraw or close without penalty; otherwise you lose 90 days' interest on the amount withdrawn. Flexible ISA.
- How to open
- Online, Branch, Post
- Your money is held by
- Furness Building Society
- Good to know
- Opening this share account makes you a member of the society. For UK residents aged 18 or over.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Furness Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Barrow-in-Furness, Cumbria, UK (head office: Emlyn Hughes House, Abbey Road, Barrow-in-Furness, Cumbria LA14 5PQ)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. On the Financial Services Register under registration number 159624 (FRN 159624)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
37. Zopa
Smart ISA (Easy Access pot)
3.25%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw instantly with no penalty and no impact on your ISA allowance.
- How to open
- App
- Your money is held by
- Zopa Bank Limited
- Good to know
- Open in the Zopa app: set up a Smart Saver account, then choose Smart ISA. Interest paid monthly. You can mix Access and Fixed Term pots in one Cash ISA.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Zopa
- All Zopa Cash ISAs compared
- Legal name
- Zopa Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 800542)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
38. Virgin Money
M Access ISA
3.25%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw anytime with no notice, and money replaced in the same tax year doesn't use extra allowance.
- How to open
- Online, Branch
- Your money is held by
- Nationwide Building Society
- Good to know
- Only for holders of an eligible Virgin Money current account (M Plus, M or Club M). Essential and old Virgin Money accounts do not qualify. Limited issue.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Virgin Money
- All Virgin Money Cash ISAs compared
- Legal name
- Nationwide Building Society (trading as Virgin Money)
- Country of incorporation
- United Kingdom
- Principal place of business
- Swindon, UK
- Regulatory status
- Virgin Money Cash ISAs are provided by Nationwide Building Society (trading as Virgin Money), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 106078)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Nationwide Building Society
- Complaints
- Financial Ombudsman Service
-
39. Monmouthshire Building Society
Instant Access Tracker Cash ISA (Issue 1)
3.25%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Take money out or close any time without notice or penalty. Flexible ISA, so withdrawn money can be put back without using new allowance.
- How to open
- Online, App, Branch
- Your money is held by
- Monmouthshire Building Society
- Good to know
- Pays 0.50% below the Bank of England base rate. UK residents only, excluding Northern Ireland.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Monmouthshire Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Newport, Wales, UK (Monmouthshire House, John Frost Square, Newport NP20 1PX)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register Number: 206052 (FRN 206052)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
40. Monzo
Select Access Cash ISA
3.15%
AER variable
- Access
- Easy access
- Minimum
- £500
- Transfers in
- No
- Flexible
- Yes
3.15% AER with 2 or fewer withdrawals a year (free Monzo account); 2.60% AER after that until the Pot's anniversary.
Details and provider information
- Withdrawals
- Withdraw instantly any time; more than 2 withdrawals a year cuts the rate until the Pot's anniversary. Keep £500 or more in the Pot to keep it open.
- How to open
- App
- Your money is held by
- Monzo Bank Limited
- Good to know
- Needs a Monzo current account (free); no ISA transfers in. Perks, Plus, Premium and Max plans earn 3.65% (3.10% after more than 2 withdrawals).
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Monzo
- All Monzo Cash ISAs compared
- Legal name
- Monzo Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 730427)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
41. Family Building Society
35 Day Notice Cash ISA (3)
3.10%
AER variable
- Access
- 35-day notice
- Minimum
- £3,000
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw after 35 days' notice with no charge, or without notice at a cost of 35 days' interest on the amount withdrawn. Flexible ISA.
- How to open
- Online, Branch, Post
- Your money is held by
- National Counties Building Society
- Good to know
- Cash ISA transfers in are paid by cheque; stocks and shares ISAs can't be transferred in. The rate rises to 3.30% from £30,000.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- National Counties Building Society (trading as Family Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Epsom, Surrey, UK (registered head office: Ebbisham House, 30 Church Street, Epsom KT17 4NL)
- Regulatory status
- Family Building Society is a trading name of National Counties Building Society, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 206080 (FRN 206080)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
42. Lloyds Bank
Limited Access ISA
3.00%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
3.00% AER only with 2 or fewer withdrawals in the 12-month term; 0.65% AER from the month of the third.
Details and provider information
- Withdrawals
- Withdraw any time with no charge, but a third withdrawal in the 12-month term cuts the rate (closing counts as a withdrawal). Flexible ISA.
- How to open
- Online (new customers); online, app, phone or branch (existing customers)
- Your money is held by
- Lloyds Bank plc
- Good to know
- New customers open online only. Existing Lloyds cash ISA holders must complete a transfer to open it.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Lloyds
- All Lloyds Cash ISAs compared
- Legal name
- Lloyds Bank plc
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 119278)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
43. Lloyds Bank
Club Lloyds Advantage ISA Saver
3.00%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
3.00% AER only with 2 or fewer withdrawals in the first 12 months; 0.65% AER from the month of the third.
Details and provider information
- Withdrawals
- Withdraw any time with no charge, but a third withdrawal in the first 12 months cuts the rate. Flexible ISA.
- How to open
- Online (new customers); online, app, phone or branch (existing customers)
- Your money is held by
- Lloyds Bank plc
- Good to know
- Needs a qualifying Lloyds current account. New customers open online only. Becomes an Instant Cash ISA after 12 months.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Lloyds
- All Lloyds Cash ISAs compared
- Legal name
- Lloyds Bank plc
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 119278)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
44. TSB
Save Well Limited Access ISA
3.00%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
3.00% AER only in months with no withdrawals; 0.25% AER in any month with a withdrawal.
Details and provider information
- Withdrawals
- Withdraw any time with no notice, but a withdrawal in a month drops that month's interest to the lower rate on the whole balance. Flexible ISA.
- How to open
- App (existing customers), online or branch
- Your money is held by
- TSB Bank plc
- Good to know
- Runs for 12 months, then becomes a Cash ISA Saver without the bonus. Closing early pays the lower rate.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from TSB
- All TSB Cash ISAs compared
- Legal name
- TSB Bank plc
- Country of incorporation
- Scotland
- Principal place of business
- Edinburgh, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 191240)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
45. Kroo
Kroo Flexible Cash ISA
3.00%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw any time to your Kroo Current Account (usually instant, up to one business day). Flexible ISA, so money can be put back in the same tax year.
- How to open
- App
- Your money is held by
- Kroo Bank Ltd
- Good to know
- Needs a Kroo Current Account; deposits come only from it. Full ISA transfers in only. Closing it bars you from opening another cash ISA with Kroo.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Kroo Bank Ltd
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Kroo is authorised as a bank by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FRN 953772)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
46. Monzo
Instant Access Cash ISA
2.75%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- No
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw instantly any time with no limit. Flexible ISA, so money replaced in the same tax year doesn't use extra allowance.
- How to open
- App
- Your money is held by
- Monzo Bank Limited
- Good to know
- Needs a Monzo current account (free); no ISA transfers in. Paid plans earn more: 3.00% (Extra), 3.25% (Perks, Plus, Premium), 3.50% (Max).
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Monzo
- All Monzo Cash ISAs compared
- Legal name
- Monzo Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 730427)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
47. Barclays
Reward ISA
2.75%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
2.75% AER only in months with no withdrawals or transfers out; 0.85% AER in any month with one.
Details and provider information
- Withdrawals
- Instant access, but a withdrawal or transfer out in a month drops that month's interest to the lower rate. Flexible ISA.
- How to open
- App, online banking, branch or phone
- Your money is held by
- Barclays Bank UK PLC
- Good to know
- For UK residents aged 18 or over. The app and Online Banking need a Barclays login; otherwise book a branch appointment.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Barclays
- All Barclays Cash ISAs compared
- Legal name
- Barclays Bank UK PLC
- Country of incorporation
- England
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 759676)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Tesco Bank
- Complaints
- Financial Ombudsman Service
-
48. Yorkshire Building Society
Everyday ISA
2.25%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw as often as you want, within daily limits, and money replaced in the same tax year doesn't use extra allowance.
- How to open
- Branch, agency or post
- Your money is held by
- Yorkshire Building Society
- Good to know
- Open in branch, at an agency or by post (not online). Passbook account. Interest paid monthly or annually, 2.25% AER either way. No joint accounts.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Yorkshire Building Society
- All Yorkshire Building Society Cash ISAs compared
- Legal name
- Yorkshire Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Bradford, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 106085)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Chelsea Building Society and Norwich & Peterborough Building Society
- Complaints
- Financial Ombudsman Service
-
49. Skipton Building Society
Cash ISA Saver
2.05%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw any time with no notice or penalty, and money replaced in the same tax year doesn't use extra allowance.
- How to open
- Online, app, branch, phone or post
- Your money is held by
- Skipton Building Society
- Good to know
- Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts. Can be withdrawn from sale at any time.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Skipton
- All Skipton Cash ISAs compared
- Legal name
- Skipton Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Skipton, North Yorkshire, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 153706)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
50. Coventry Building Society
Easy Access ISA (12)
2.00%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Take money out at any time with no charge, and money replaced in the same tax year doesn't use extra allowance.
- How to open
- Online, app, phone, branch or post
- Your money is held by
- Coventry Building Society
- Good to know
- A passbook version can be opened in branch or by phone. Interest annual or monthly. Limited issue that can close without notice.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Coventry Building Society
- All Coventry Building Society Cash ISAs compared
- Legal name
- Coventry Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Coventry, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 150892)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
51. Marsden Building Society
Flexible Cash ISA (Issue 6)
2.00%
AER variable
- Access
- Easy access
- Minimum
- £25
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw whenever you like in branch (cash limits apply). Flexible ISA, so withdrawn money can be put back in the same tax year.
- How to open
- Branch
- Your money is held by
- Marsden Building Society
- Good to know
- Branch only, at one of Marsden's Lancashire branches. The rate rises to 2.25% from £10,000. Only cash ISAs can be transferred in.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Marsden Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Nelson, Lancashire, UK (principal office: 6-20 Russell Street, Nelson, Lancashire BB9 7NJ)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in the Financial Services Register under no: 206050 (FRN 206050)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
52. Furness Building Society
Everyday Cash ISA Issue 6 (Tax year 2026/2027)
1.60%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Withdraw without penalty by app, faster payment, standing order or at a branch. Withdrawn money can be put back in the same tax year.
- How to open
- Online, Branch, Post
- Your money is held by
- Furness Building Society
- Good to know
- Opening this share account makes you a member of the society. For UK residents aged 18 or over.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Furness Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Barrow-in-Furness, Cumbria, UK (head office: Emlyn Hughes House, Abbey Road, Barrow-in-Furness, Cumbria LA14 5PQ)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. On the Financial Services Register under registration number 159624 (FRN 159624)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
53. TSB
Cash ISA Saver
1.10%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Includes a 0.20% fixed bonus for the first 12 months; 0.90% AER after that.
Details and provider information
- Withdrawals
- Instant access with no notice and no withdrawal penalty. Money put back in the same tax year doesn't use extra allowance.
- How to open
- App (existing customers), online or branch
- Your money is held by
- TSB Bank plc
- Good to know
- Larger balances earn more on the whole balance: 1.15% from £25,000 and 1.20% from £100,000 (0.95% and 1.00% after the bonus year).
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from TSB
- All TSB Cash ISAs compared
- Legal name
- TSB Bank plc
- Country of incorporation
- Scotland
- Principal place of business
- Edinburgh, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 191240)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
54. Barclays
Instant Cash ISA (Issue 1)
1.00%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Instant access with no notice. Flexible ISA: money put back in the same tax year doesn't use extra allowance.
- How to open
- App, online banking, branch or phone
- Your money is held by
- Barclays Bank UK PLC
- Good to know
- For UK residents aged 18 or over. The app and Online Banking need a Barclays login; otherwise book a branch appointment.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Barclays
- All Barclays Cash ISAs compared
- Legal name
- Barclays Bank UK PLC
- Country of incorporation
- England
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 759676)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Tesco Bank
- Complaints
- Financial Ombudsman Service
-
55. Metro Bank
Instant Access Cash ISA
0.90%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Unlimited access with no notice. Withdrawn money can be replaced in the same tax year without using extra allowance, within your annual limit.
- How to open
- Branch (Metro Bank store)
- Your money is held by
- Metro Bank PLC
- Good to know
- Opened in a Metro Bank store only. Previous years' ISA funds can be transferred in at a store.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Metro Bank
- All Metro Bank Cash ISAs compared
- Legal name
- Metro Bank PLC
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 488982)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
56. Lloyds Bank
Cash ISA Saver
0.75%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
Details and provider information
- Withdrawals
- Unlimited withdrawals with no charge. Money put back in the same tax year doesn't use extra allowance.
- How to open
- Online (new customers); online, app, phone or branch (existing customers)
- Your money is held by
- Lloyds Bank plc
- Good to know
- New customers open online only. Whole-balance rates: 0.90% from £25,000, 1.00% from £100,000. Add 0.20% with a Club Lloyds, Premier or Private Banking current account.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Lloyds
- All Lloyds Cash ISAs compared
- Legal name
- Lloyds Bank plc
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 119278)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
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What is a flexible Cash ISA?
gov.uk puts it like this: "If your ISA is 'flexible', you can take out cash then put it back in during the same tax year without reducing your current year's allowance. Your provider can tell you if your ISA is flexible." In our tables, whether an account is flexible comes from the provider's own terms, as recorded in our data.
How much can you put back in?
gov.uk gives an example. With a £20,000 allowance, £10,000 paid in during the tax year and £3,000 taken out, £13,000 can then be paid in if the ISA is flexible: the £10,000 of allowance still unused plus the £3,000 taken out. If the ISA is not flexible, only the £10,000 still unused can be paid in.
Which Cash ISAs are flexible?
56 of the 184 Cash ISAs in our tables are flexible: 35 of 64 easy access, 18 of 114 fixed rate and 3 of 6 notice. Flexibility is set account by account, so two accounts of the same type can differ. 29 of the 64 easy access Cash ISAs are not flexible, and 21 of the 56 flexible ones are fixed rate or notice accounts. Islamic Cash ISAs are compared separately on our Halal ISA page, so they are not counted here.
The Access line on each card shows how the money comes out, and the details show the withdrawal rule. Each card also shows whether the account accepts transfers in, and the Cash ISAs that accept transfers in are ranked on their own page. To compare by type, see the easy access, fixed rate and notice Cash ISAs.
Does the Cash ISA limit change how flexible ISAs work?
No. Flexible ISAs carry on as they do today. The cut to £12,000 a year for savers 64 or under, planned from 6 April 2027, was cancelled in the Budget on 28 October 2026, so the Cash ISA limit stays the full ISA allowance. Putting back money paid in during an earlier tax year does not count as a new payment. Putting back money paid in during the same tax year uses no extra allowance, if your ISA is flexible.
See how a flexible ISA works and what the Cash ISA limit means.
Questions people ask
How do I know if my Cash ISA is flexible?
gov.uk says your provider can tell you if your ISA is flexible. In our tables, each card shows Yes or No under "Flexible", taken from the provider's own terms as recorded in our data.
How many Cash ISAs are flexible?
56 of the 184 Cash ISAs in our tables are flexible: 35 of 64 easy access, 18 of 114 fixed rate and 3 of 6 notice.
Is a flexible Cash ISA the same as an easy access one?
No. Flexible says what happens to your allowance when you put back money you took out. It does not say how or when the money can be taken out, which is shown by the Access line and the withdrawal rule on each card. 29 of the 64 easy access Cash ISAs are not flexible, and 21 of the 56 flexible ones are fixed rate or notice accounts.
Will flexible ISAs still work after April 2027?
Yes. Flexible ISAs carry on, and the planned £12,000 Cash ISA limit was cancelled in the Budget on 28 October 2026. Putting back money paid in during an earlier tax year does not count as a new payment. Putting back money paid in during the same tax year uses no extra allowance if your ISA is flexible. See how a flexible ISA works.
Is my money protected if the provider fails?
The Financial Services Compensation Scheme protects eligible deposits up to £120,000 per person, per banking licence.
Sources
- 1 Individual Savings Accounts (ISAs): withdrawing your money (gov.uk)
- 2 Reduction in the cash Individual Savings Account (ISA) limit (gov.uk)
- 3 The Individual Savings Account (Amendment) (No. 2) Regulations 2026 (SI 2026/1018), regulation 8 (legislation.gov.uk)
- 4 What we cover: FSCS protection limits (fscs.org.uk)