Notice Cash ISA rates

How a notice Cash ISA works

When you want to take money out, you tell the provider first. The money is paid once the notice period has passed, from 35 to 120 days in the accounts above. Paying in works like any other Cash ISA, within your £20,000 annual allowance.

Notice periods compared

Here are the accounts above by notice period, with the highest rate for each and what £10,000 would earn in a year at that rate. Every rate here is variable, so it can change during the year.

The highest rate, 3.65% AER, needed 60 days' notice. The shortest notice, 35 days, paid 3.10% AER, and the longest, 120 days, paid 3.20% AER. A longer notice period does not always pay more, so choose the notice you could live with if you needed the money, then compare the rates for it.

Notice or easy access?

On 30 October 2026, the highest notice rate in our table was 3.65% AER, with 60 days' notice, and the highest easy access rate was 4.86% AER. A notice period is not a guarantee of a higher rate, so compare these accounts with the easy access Cash ISAs and the fixed rate Cash ISAs before you choose.

What early access costs

If an account lets you take money out without notice, the usual cost is a loss of interest on the amount you take out, often the same number of days as the notice period. If you have not yet earned that much interest, some providers take the difference from your savings, so you could get back less than you paid in. Other accounts only pay out once the notice period ends. Open the details on any account above to see its rule.

Moving a notice ISA to another provider

You can transfer a notice Cash ISA to another provider, and the money stays tax-free without using any of your allowance. The account's own terms still apply, though: many notice accounts ask for the same notice, or charge the same early access penalty, before a transfer out as before a withdrawal. See how ISA transfers work.

Flexible or not

3 of the 6 notice Cash ISAs above are flexible. A flexible ISA lets you take money out and put it back in the same tax year without using more of your allowance. With the others, money you pay back in counts as new money. See how a flexible ISA works.

Is the Cash ISA limit changing?

No. The cut to £12,000 a year for savers under 65, planned from 6 April 2027, was cancelled in the Budget on 28 October 2026. Notice accounts can take the full £20,000 allowance, like any other Cash ISA. Full detail is in the Cash ISA limit guide.