Cash ISA
Best Cash ISA rates that accept transfers in
On 6 October 2026, among the Cash ISAs in our tables that accept transfers in, the highest easy access rate was 4.86% AER and the highest fixed rate was 5.25% AER, on a 5 year fix. 172 of the 184 Cash ISAs we track accept transfers in. The easy access and fixed rate ones are ranked below by rate alone, checked by hand on each provider's own page. Where an account pays transferred money a different rate from new money, the rate shown here is the transfer rate, and any condition on transfers in is in the account's details.
Best easy access Cash ISAs that accept transfers in
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. 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
-
2. 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
-
3. Charter Savings Bank
Easy Access Cash ISA (Issue 82)
4.26%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdraw anytime with no notice. Not a flexible ISA, so amounts you withdraw can't be replaced in the same tax year without using new allowance.
- How to open
- Online
- Your money is held by
- Charter Court Financial Services Limited
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Charter Court Financial Services Limited (trading as Charter Savings Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- Wolverhampton, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 494549)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
4. Post Office
Online ISA: Easy Access (Issue 53)
4.25%
AER variable
- Access
- Easy access
- Minimum
- £100
- Transfers in
- Yes
- Flexible
- No
Includes a 3.35 percentage point fixed bonus for the first 12 months; reverts to the 0.90% AER standard variable rate after that.
Details and provider information
- Withdrawals
- Minimum withdrawal £10 (or the balance if less), paid to your nominated account. Not a flexible ISA, so withdrawn money loses its tax-free status unless moved straight to another Post Office Online ISA product.
- How to open
- Online
- Your money is held by
- Bank of Ireland (UK) plc
- Good to know
- Provided by OneFamily; savings are deposited with Bank of Ireland UK. Only online applications are accepted, no paper or phone.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Family Assurance Friendly Society Limited (trading as OneFamily)
- Country of incorporation
- England and Wales
- Principal place of business
- Brighton, UK
- Regulatory status
- Family Assurance Friendly Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, as ISA manager for the Post Office Online ISA. Deposits are placed with Bank of Ireland (UK) plc, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 512956). (FRN 110067)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence (deposits held with Bank of Ireland (UK) plc)
- Complaints
- Financial Ombudsman Service
-
5. 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
-
6. 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
-
7. 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
-
8. Leeds Building Society
Online Access Cash ISA (Issue 22)
4.16%
AER variable
- Access
- Easy access
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Rate falls to 0.05% variable if the balance drops below £1,000.
Details and provider information
- Withdrawals
- Withdraw anytime to your nominated account, though it is not a flexible ISA so amounts withdrawn cannot be replaced.
- How to open
- Online
- Your money is held by
- Leeds Building Society
- Good to know
- This issue matures on 1 November 2027, when the balance and interest move automatically into an instant access Cash ISA maturity account. No joint accounts. Online only.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- More from Leeds Building Society
- All Leeds Building Society Cash ISAs compared
- Legal name
- Leeds Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Leeds, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 164992)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
9. Cynergy Bank
Online ISA (Issue 67)
4.15%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Easy access 24/7. Not a flexible ISA, so amounts you withdraw can't be replaced in the same tax year without using new allowance.
- How to open
- Online
- Your money is held by
- Cynergy Bank plc
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Cynergy 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 575105)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
10. Family Building Society
Market Tracker Cash ISA (2)
4.10%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdraw without notice or charge by transfer to your bank account or another Family account (minimum £100). Not a flexible ISA.
- How to open
- Online, Branch, Post
- Your money is held by
- National Counties Building Society
- Good to know
- Rate follows the Market Tracker Saver plus 0.05%. Cash ISA transfers in are paid by cheque; stocks and shares ISAs can't be transferred in.
- 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
-
11. The Cambridge Building Society
Double Access ISA
4.10%
AER variable
- Access
- Easy access
- Minimum
- £100
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- After the first 7 days, two withdrawals a calendar year need no notice or fee; any more cost 120 days' interest. Not a flexible ISA.
- How to open
- Online, App, Branch, Phone, Post
- Your money is held by
- The Cambridge Building Society
- Good to know
- For UK residents aged 18 or over. A mobile number and email address are required.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- The Cambridge Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Cambridge, UK (registered office: 51 Newmarket Road, Cambridge CB5 8EG)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Registration Number 157223) (FRN 157223)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
12. Hampshire Trust Bank
Easy Access Online ISA (Issue 10)
4.06%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Unlimited withdrawals; requests before 1pm on a working day are paid the same day. Not a flexible ISA.
- How to open
- Online
- Your money is held by
- Hampshire Trust Bank Plc
- Good to know
- Online only, for UK permanent residents aged 18 or over. Fund within 14 days of applying; start any ISA transfer within 14 days of opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Hampshire Trust Bank Plc
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 80 Fenchurch Street, London EC3M 4BY)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (FRN 204601). Company registered in England and Wales, registration number 01311315 (FRN 204601)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
13. 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
-
14. Marcus by Goldman Sachs
Cash ISA
4.01%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Includes a 0.74% bonus for the first 12 months; 3.24% AER after that.
Details and provider information
- Withdrawals
- Withdraw online or by phone to your linked UK current account. Not a flexible ISA, so withdrawn money can't be replaced.
- How to open
- Online
- Your money is held by
- Goldman Sachs International Bank
- Good to know
- Open online only, for UK residents aged 18 or over. Transfers in from most other providers' cash ISAs are accepted.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Goldman Sachs International Bank (trading as Marcus by Goldman Sachs)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Goldman Sachs International Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 124659)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
15. Tembo
Tembo Cash ISA (Easy Access)
4.00%
AER variable
- Access
- Easy access
- Minimum
- £10
- Transfers in
- Yes
- Flexible
- No
Includes a 1.00 percentage point bonus for the first 12 months; underlying rate is 3.00% AER after that.
Details and provider information
- Withdrawals
- Withdraw to a linked UK bank account via the app, minimum £10 or the remaining balance if less, typically 3 working days. Not a flexible ISA, so withdrawals can't be replaced in the same tax year without using new allowance. Closing the account or transferring out means you can't reopen it with Tembo.
- How to open
- App
- Your money is held by
- Barclays, Bank of Scotland, Aldermore Bank, QNB Bank, Lloyds and Shawbrook Bank
- Good to know
- Deposits are spread across Tembo's partner banks (Barclays, Bank of Scotland, Aldermore Bank, QNB Bank, Lloyds and Shawbrook Bank), each covered separately up to £120,000 FSCS. You must keep at least £1 in the account or Tembo may close it.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Tembo Savings Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Tembo Savings Limited is authorised and regulated by the Financial Conduct Authority as the ISA manager. Deposits are placed with a panel of partner banks. (FRN 928010)
- Deposit protection
- FSCS, up to £120,000 per person per partner bank (Barclays, Bank of Scotland, Aldermore Bank, QNB Bank, Lloyds and Shawbrook Bank)
- Complaints
- Financial Ombudsman Service
-
16. 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
-
17. Leeds Building Society
1 Year Single Access Cash ISA (Issue 7)
3.90%
AER variable
- Access
- Easy access
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Rate falls to 0.05% variable if the balance drops below £1,000.
Details and provider information
- Withdrawals
- One withdrawal or transfer a calendar year (including closure), then a charge of 30 days' interest, and money withdrawn cannot be replaced.
- How to open
- Branch or post
- Your money is held by
- Leeds Building Society
- Good to know
- Limited access: 1 withdrawal a year. Cannot be opened online. This issue matures on 1 November 2027 and moves to an instant access Cash ISA maturity account.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- More from Leeds Building Society
- All Leeds Building Society Cash ISAs compared
- Legal name
- Leeds Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Leeds, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 164992)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
18. 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
-
19. Kent Reliance
Branch Easy Access ISA (Issue 1)
3.85%
AER variable
- Access
- Easy access
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
3.85% is paid on balances of £1,000 or more; balances of £1 to £999 earn 0.10%.
Details and provider information
- Withdrawals
- Withdraw or transfer out without notice or penalty, though money taken out cannot be replaced in the same tax year.
- How to open
- Branch
- Your money is held by
- OneSavings Bank plc
- Good to know
- Open in a Kent Reliance branch only (all branches are in Kent). Monthly interest needs £1,000 to open. Maximum deposit £1,000,000.
- 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
-
20. Plum
Plum Cash ISA
3.75%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- Yes
3.75% AER is the rate for money transferred in from another ISA, including a 1.21% AER bonus; new money earns 4.66% AER.
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
-
21. Bath Building Society
Limited Access ISA
3.65%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
3.65% AER with 2 or fewer withdrawals a calendar year; a third converts the account to the Instant ISA.
Details and provider information
- Withdrawals
- Up to two penalty-free withdrawals a calendar year. A third converts the account to the Instant ISA and bars a new Limited Access ISA for 12 months.
- How to open
- Online, Branch
- Your money is held by
- Bath Investment & Building Society
- Good to know
- For UK tax residents only. Only one cash ISA a tax year can be paid into at Bath Building Society. Not a flexible ISA.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Bath Investment & Building Society (trading as Bath Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Bath, Somerset, UK (head office: 15 Queen Square, Bath BA1 2HN)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Registration Number 206026 (FRN 206026)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
22. 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
-
23. 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
-
24. 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
-
25. 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
-
26. 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
-
27. 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
-
28. 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
-
29. 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
-
30. 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
-
31. 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
-
32. Leeds Building Society
Six Access ISA
3.10%
AER variable
- Access
- Easy access
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Rate falls to 0.05% variable if the balance drops below £1,000.
Details and provider information
- Withdrawals
- Six withdrawals or transfers a calendar year (including closure), then a charge of 30 days' interest, and money withdrawn cannot be replaced.
- How to open
- Branch or post
- Your money is held by
- Leeds Building Society
- Good to know
- Limited access: 6 withdrawals a year. Cannot be opened online. Interest paid annually on 28 February. Maximum balance £1,000,000 plus interest.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- More from Leeds Building Society
- All Leeds Building Society Cash ISAs compared
- Legal name
- Leeds Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Leeds, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 164992)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
33. 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
-
34. 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
-
35. 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
-
36. 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
-
37. 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
-
38. first direct
Cash ISA
2.75%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdraw instantly by transfer to your 1st Account, with no limit or fee. Not a flexible ISA: withdrawn money still counts towards your allowance.
- How to open
- App, online banking or post
- Your money is held by
- HSBC UK Bank plc
- Good to know
- For first direct 1st Account holders only; new customers must open a 1st Account first.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from first direct
- All first direct Cash ISAs compared
- Legal name
- HSBC UK Bank plc (trading as first direct)
- Country of incorporation
- England and Wales
- Principal place of business
- Birmingham, UK
- Regulatory status
- HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 765112)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with HSBC UK and M&S Bank
- Complaints
- Financial Ombudsman Service
-
39. Cumberland Building Society
Cumberland Instant Cash ISA
2.75%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Instant access: withdraw up to £500 a day in cash, or up to £99,999.99 by crossed cheque. Not by direct debit, standing order or faster payments.
- How to open
- Branch
- Your money is held by
- Cumberland Building Society
- Good to know
- New customers must live in Cumbria, South-West Scotland, West Northumberland or North Lancashire and open at a branch.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Cumberland Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Carlisle, Cumbria, UK (head office: Cumberland House, Cooper Way, Parkhouse, Carlisle CA3 0JF)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority and entered in the Financial Services Register under Register Number 106074 (FRN 106074)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
40. Saffron Building Society
Everyday Cash ISA (Issue 2)
2.70%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdraw any time within Saffron's daily limits. Not a flexible ISA, so replacing withdrawn money uses up new allowance.
- How to open
- Online, Branch, Post
- Your money is held by
- Saffron Building Society
- Good to know
- For UK residents aged 18 or over. The rate rises on the whole balance to 2.80% from £20,001 and 2.90% from £50,001.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Saffron Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Saffron Walden, Essex, UK (registered office: Saffron House, 1a Market Street, Saffron Walden, Essex CB10 1HX)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register no. 100015) except for Commercial and Investment Buy to Let Mortgages (FRN 100015)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
41. Shawbrook Bank
Easy Access Cash ISA (Issue 35)
2.70%
AER variable
- Access
- Easy access
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Unlimited withdrawals, no early exit charge.
- How to open
- Online
- Your money is held by
- Shawbrook Bank Limited
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Shawbrook Bank Limited
- Country of incorporation
- United Kingdom
- 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 204574)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
42. Bath Building Society
Instant ISA
2.60%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Instant access: take out up to £500 at a branch without notice (up to £2,000 next day with notice) or use an electronic payment. Not a flexible ISA.
- How to open
- Online, Branch
- Your money is held by
- Bath Investment & Building Society
- Good to know
- For UK tax residents only. Only one cash ISA a tax year can be paid into at Bath Building Society.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Bath Investment & Building Society (trading as Bath Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Bath, Somerset, UK (head office: 15 Queen Square, Bath BA1 2HN)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Registration Number 206026 (FRN 206026)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
43. HSBC UK
Loyalty Cash ISA
2.50%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Instant access with unlimited fee-free withdrawals. Not a flexible ISA: withdrawn money can't be replaced if that takes you over your allowance.
- How to open
- Online banking, branch or post
- Your money is held by
- HSBC UK Bank plc
- Good to know
- For HSBC current account holders only. HSBC Premier customers earn 3.00% AER.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from HSBC
- All HSBC Cash ISAs compared
- Legal name
- HSBC UK Bank plc
- Country of incorporation
- England and Wales
- Principal place of business
- Birmingham, UK
- Regulatory status
- HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 765112)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with first direct and M&S Bank
- Complaints
- Financial Ombudsman Service
-
44. M&S Bank
M&S Cash ISA Variable Rate Savings option (Advantage)
2.30%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Instant access with free withdrawals of £10 or more (or the whole balance if less). Not a flexible ISA.
- How to open
- Online, phone or post
- Your money is held by
- HSBC UK Bank plc
- Good to know
- Open to anyone aged 18 or over, online, by phone or by post. Managed by phone or post.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from M&S Bank
- All M&S Bank Cash ISAs compared
- Legal name
- HSBC UK Bank plc (trading as M&S Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- Birmingham, UK
- Regulatory status
- HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 765112)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with HSBC UK and first direct
- Complaints
- Financial Ombudsman Service
-
45. 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
-
46. Leek Building Society
Easy Access Cash ISA (Issue 7)
2.20%
AER variable
- Access
- Easy access
- Minimum
- £10
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Take money out whenever you wish; closing is allowed at any time without penalty. Not a flexible ISA.
- How to open
- Online, Branch, Post
- Your money is held by
- Leek United Building Society
- Good to know
- For UK residents aged 18 or over. Current-year ISA transfers in must be for the full amount. Fund within 14 days of opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Leek United Building Society (trading as Leek Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Leek, Staffordshire, UK (head office: 50 St. Edward Street, Leek, Staffordshire ST13 5DL)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, with firm reference number 100014 (FRN 100014)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
47. 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
-
48. West Brom Building Society
Limited Access ISA (Issue 1)
2.00%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
2.00% AER with up to six withdrawals a year; 1.40% AER from the seventh to the end of the account year.
Details and provider information
- Withdrawals
- Up to six withdrawals per account year (1 May to 30 April) keep the full rate. A seventh and later ones earn the lower rate for the rest of that year.
- How to open
- Online, Branch
- Your money is held by
- West Bromwich Building Society
- Good to know
- Only one West Brom Cash ISA a tax year can be paid into. For sole applicants aged 18 or over.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- Legal name
- West Bromwich Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- West Bromwich, West Midlands, UK (head office: 2 Providence Place, West Bromwich B70 8AF)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Register No: 104877 (FRN 104877)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
49. 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
-
50. 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
-
51. Santander
Easy Access ISA (Issue 27)
2.00%
AER variable
- Access
- Easy access
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdraw anytime by transfer in Online or Mobile Banking, by branch or by phone, but money you take out and repay counts towards your ISA allowance again.
- How to open
- App, Online, Branch
- Your money is held by
- Santander UK plc
- Good to know
- Minimum balance £500 (or £0 if opening by transferring in at least £500 from other ISAs). After 12 months the balance moves into an ISA Saver at a new rate.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Santander
- All Santander Cash ISAs compared
- Legal name
- Santander UK 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 106054)
- 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. West Brom Building Society
West Brom Saver ISA
1.50%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdraw as often as you like. Money taken out cannot be put back in the same tax year if that takes you over your ISA allowance.
- How to open
- Branch, Post
- Your money is held by
- West Bromwich Building Society
- Good to know
- Branch or postal application only. Interest is paid once a year, calculated to 5 April.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- Legal name
- West Bromwich Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- West Bromwich, West Midlands, UK (head office: 2 Providence Place, West Bromwich B70 8AF)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Register No: 104877 (FRN 104877)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
54. Leeds Building Society
ISA Saver
1.45%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdraw any time, though it is not a flexible ISA so amounts withdrawn cannot be replaced.
- How to open
- Branch or post
- Your money is held by
- Leeds Building Society
- Good to know
- Cannot be opened online. Interest paid each year on 5 April. Maximum balance £1,000,000. One Cash ISA per tax year with Leeds.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- More from Leeds Building Society
- All Leeds Building Society Cash ISAs compared
- Legal name
- Leeds Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Leeds, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 164992)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
55. Leeds Building Society
E-ISA
1.45%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdraw any time, though it is not a flexible ISA so amounts withdrawn cannot be replaced.
- How to open
- Online
- Your money is held by
- Leeds Building Society
- Good to know
- Online only. Interest paid annually on 31 October. Maximum balance £1,000,000. One Cash ISA per tax year with Leeds.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- More from Leeds Building Society
- All Leeds Building Society Cash ISAs compared
- Legal name
- Leeds Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Leeds, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 164992)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
56. NatWest
Cash ISA
1.15%
AER variable
- Access
- Easy access
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdraw any time without notice, by transfer to another NatWest account in your name or in branch. Not a flexible ISA.
- How to open
- App, online, branch or phone
- Your money is held by
- National Westminster Bank Plc
- Good to know
- Needs a NatWest current account. The rate rises to 2.45% AER on the whole balance from £25,000.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from NatWest
- All NatWest Cash ISAs compared
- Legal name
- National Westminster Bank Plc (trading as NatWest)
- 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 121878)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
57. 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
-
58. 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
-
59. 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
-
60. 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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Best fixed rate Cash ISAs that accept transfers in
Checked 6 October 2026. Ranked by rate. Links marked "Ad" can earn us commission, which never changes the order. How we make money
-
1. Shawbrook Bank
5 Year Fixed Rate Cash ISA (Issue 67)
5.25%
AER fixed
- Access
- 5 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access costs a loss of 360 days' interest on the amount withdrawn.
- How to open
- Online
- Your money is held by
- Shawbrook Bank Limited
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Shawbrook Bank Limited
- Country of incorporation
- United Kingdom
- 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 204574)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
2. Castle Trust Bank
3 year Fixed Rate e-Cash ISA
5.15%
AER fixed
- Access
- 3 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Full-amount withdrawals before maturity (including transfer out) cost an early exit charge of 270 days' interest; ask by phone or secure message.
- How to open
- Online
- Your money is held by
- Castle Trust Capital plc
- Good to know
- Online only; needs a UK current account in your name. 14-day funding window, then no more deposits.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Castle Trust Capital plc (trading as Castle Trust Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 10 Norwich Street, London EC4A 1BD)
- Regulatory status
- Castle Trust Capital plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under reference number 541910. Incorporated in England and Wales, company number 07454474 (FRN 541910)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
3. Castle Trust Bank
5 year Fixed Rate e-Cash ISA
5.12%
AER fixed
- Access
- 5 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Full-amount withdrawals before maturity (including transfer out) cost an early exit charge of 360 days' interest; ask by phone or secure message.
- How to open
- Online
- Your money is held by
- Castle Trust Capital plc
- Good to know
- Online only; needs a UK current account in your name. 14-day funding window, then no more deposits.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Castle Trust Capital plc (trading as Castle Trust Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 10 Norwich Street, London EC4A 1BD)
- Regulatory status
- Castle Trust Capital plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under reference number 541910. Incorporated in England and Wales, company number 07454474 (FRN 541910)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
4. West Brom Building Society
3 Year Fixed Rate ISA
5.10%
AER fixed
- Access
- Fixed to Oct 2029
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can withdraw or close early, but it costs 240 days' interest. Money taken out cannot be paid back in.
- How to open
- Online, Branch
- Your money is held by
- West Bromwich Building Society
- Good to know
- Matures on a set date, 31 October 2029. Interest is paid yearly, or monthly at 4.98% tax-free.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- Legal name
- West Bromwich Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- West Bromwich, West Midlands, UK (head office: 2 Providence Place, West Bromwich B70 8AF)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Register No: 104877 (FRN 104877)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
5. Castle Trust Bank
2 year Fixed Rate e-Cash ISA
5.10%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Full-amount withdrawals before maturity (including transfer out) cost an early exit charge of 180 days' interest; ask by phone or secure message.
- How to open
- Online
- Your money is held by
- Castle Trust Capital plc
- Good to know
- Online only; needs a UK current account in your name. 14-day funding window, then no more deposits.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Castle Trust Capital plc (trading as Castle Trust Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 10 Norwich Street, London EC4A 1BD)
- Regulatory status
- Castle Trust Capital plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under reference number 541910. Incorporated in England and Wales, company number 07454474 (FRN 541910)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
6. United Trust Bank
Cash ISA 5 Year Bond
5.10%
AER fixed
- Access
- 5 years fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early withdrawal or transfer out is allowed but charged: 90 days' interest with under a year left, rising to 365 days' with 4 or more years left.
- How to open
- Online
- Your money is held by
- United Trust Bank Limited
- Good to know
- Online only, for UK-resident adults. Needs a nominated UK bank account in your own name; fund within 14 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- United Trust Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (One Ropemaker Street, London EC2Y 9AW)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 204463). Registered in England and Wales 549690 (FRN 204463)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
7. Close Brothers Savings
2 Year Fixed Rate Cash ISA
5.07%
AER fixed
- Access
- 2 years fixed
- Minimum
- £10,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No access during the term. Free to close within 14 days; after that, early closure needs a full withdrawal plus an early closure fee.
- How to open
- Online
- Your money is held by
- Close Brothers Limited
- Good to know
- Maximum deposit £2 million per account.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Close Brothers Limited (trading as Close Brothers Savings)
- 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 124750)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
8. 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
-
9. United Trust Bank
Cash ISA 3 Year Bond
5.05%
AER fixed
- Access
- 3 years fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early withdrawal or transfer out is allowed but charged: 90 days' interest with under a year left, rising to 365 days' with 4 or more years left.
- How to open
- Online
- Your money is held by
- United Trust Bank Limited
- Good to know
- Online only, for UK-resident adults. Needs a nominated UK bank account in your own name; fund within 14 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- United Trust Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (One Ropemaker Street, London EC2Y 9AW)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 204463). Registered in England and Wales 549690 (FRN 204463)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
10. 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
-
11. Charter Savings Bank
2 Year Fixed Rate Cash ISA
5.01%
AER fixed
- Access
- 2 years fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access costs a charge equal to 180 days' interest on the amount withdrawn.
- How to open
- Online
- Your money is held by
- Charter Court Financial Services Limited
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Charter Court Financial Services Limited (trading as Charter Savings Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- Wolverhampton, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 494549)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
12. Charter Savings Bank
3 Year Fixed Rate Cash ISA
5.01%
AER fixed
- Access
- 3 years fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access costs a charge equal to 270 days' interest on the amount withdrawn.
- How to open
- Online
- Your money is held by
- Charter Court Financial Services Limited
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Charter Court Financial Services Limited (trading as Charter Savings Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- Wolverhampton, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 494549)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
13. Zopa
Smart ISA (1 Year Fixed Term pot)
5.00%
AER fixed
- Access
- 1 year fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access before the term ends closes the fixed term pot and costs 90 days of interest.
- How to open
- App
- Your money is held by
- Zopa Bank Limited
- Good to know
- Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.
- 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
-
14. Nationwide Building Society
5 Year Fixed Rate Cash ISA
5.00%
AER fixed
- Access
- 5 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can only close the whole ISA early, with a charge of 300 days' interest, and there are no part withdrawals or top-ups.
- How to open
- Branch (new customers), online or app (existing customers)
- Your money is held by
- Nationwide Building Society
- Good to know
- New customers must apply in branch. Fund it when you open it. Moves to an instant access Cash ISA at the end of the term.
- 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
-
15. Skipton Building Society
5 Year Fixed Rate Cash ISA
5.00%
AER fixed
- Access
- 5 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No part withdrawals, but you can close the account and take the full balance at any time for a charge of 365 days' interest after the 14-day cancellation period.
- How to open
- Online, app, branch, phone or post
- Your money is held by
- Skipton Building Society
- Good to know
- Closes to payments in and ISA transfers on 11 November 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.
- 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
-
16. Yorkshire Building Society
Fixed Rate Cash eISA until 31 December 2031
5.00%
AER fixed
- Access
- Fixed to Dec 2031
- Minimum
- £100
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals before the end date, and closing early costs 360 days' interest apart from exceptions such as critical illness, death or redundancy.
- How to open
- Online or app
- Your money is held by
- Yorkshire Building Society
- Good to know
- Fixed until 31 December 2031. Limited offer that can come off sale without notice. After it closes to new customers you have at least 30 days to add money.
- 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
-
17. Furness Building Society
5 Year Fixed Rate Cash ISA (Tax Year 2026/2027)
5.00%
AER fixed
- Access
- 5 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. You can close early, but it costs 180 days' interest.
- 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. One deposit only: fund within 14 days of applying.
- 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
-
18. Leek Building Society
5 Year Fixed Rate Cash ISA
5.00%
AER fixed
- Access
- 5 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. You can close or transfer the whole ISA at any time, but it costs 365 days' interest on the full balance.
- How to open
- Online, Branch, Post
- Your money is held by
- Leek United Building Society
- Good to know
- For UK residents aged 18 or over. Lump sum only: fund within 14 days of opening, then no further payments.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Leek United Building Society (trading as Leek Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Leek, Staffordshire, UK (head office: 50 St. Edward Street, Leek, Staffordshire ST13 5DL)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, with firm reference number 100014 (FRN 100014)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
19. 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
-
20. United Trust Bank
Cash ISA 2 Year Bond
5.00%
AER fixed
- Access
- 2 years fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early withdrawal or transfer out is allowed but charged: 90 days' interest with under a year left, rising to 365 days' with 4 or more years left.
- How to open
- Online
- Your money is held by
- United Trust Bank Limited
- Good to know
- Online only, for UK-resident adults. Needs a nominated UK bank account in your own name; fund within 14 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- United Trust Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (One Ropemaker Street, London EC2Y 9AW)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 204463). Registered in England and Wales 549690 (FRN 204463)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
21. Hampshire Trust Bank
5 Year Online ISA Fixed Saver (Issue 13)
4.95%
AER fixed
- Access
- 5 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can withdraw or transfer out your full balance early for a fee of 90 days' interest for each year (or part year) remaining. No partial transfers.
- How to open
- Online
- Your money is held by
- Hampshire Trust Bank Plc
- Good to know
- Online only, for UK permanent residents aged 18 or over. Fund within 14 days of applying; start any ISA transfer within 14 days of opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Hampshire Trust Bank Plc
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 80 Fenchurch Street, London EC3M 4BY)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (FRN 204601). Company registered in England and Wales, registration number 01311315 (FRN 204601)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
22. 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
-
23. Furness Building Society
2 Year Fixed Rate ISA (Tax year 2026/2027)
4.95%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. You can close early, but it costs 180 days' interest.
- 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. One deposit only: fund within 14 days of applying.
- 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
-
24. Investec Save
Fixed Rate Cash ISA (1-Year)
4.95%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals. Closing early after the 14-day cancellation period costs 90 days' interest, and money not moved to another ISA loses tax-free status.
- How to open
- Online
- Your money is held by
- Investec Bank plc
- Good to know
- Online only; needs a UK smartphone, UK current account and National Insurance number. Fund within 7 days of opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Investec Bank plc (trading as Investec Save)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 30 Gresham Street, London EC2V 7QP)
- Regulatory status
- Investec Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 172330. Registered in England and Wales (No. 489604) (FRN 172330)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
25. RCI Bank
2 Year Fixed Term Cash ISA
4.95%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdrawals before the end of the term cost 180 days' interest, taken from interest earned first, then from your deposit.
- How to open
- Online
- Your money is held by
- RCI Bank UK Limited
- Good to know
- Needs a linked UK current account in your name and the right to reside indefinitely in the UK. Transfers in accepted for 14 days after opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- RCI Bank UK Limited (trading as RCI Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- Rickmansworth, Hertfordshire, UK (registered office: Rivers Office Park, Denham Way, Rickmansworth WD3 9YS)
- Regulatory status
- RCI Bank is a trading name of RCI Bank UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 815220. Registered in England and Wales, No. 11429127 (FRN 815220)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
26. 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
-
27. United Trust Bank
Cash ISA 1 Year Bond
4.95%
AER fixed
- Access
- 1 year fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early withdrawal or transfer out is allowed but charged: 90 days' interest with under a year left, rising to 365 days' with 4 or more years left.
- How to open
- Online
- Your money is held by
- United Trust Bank Limited
- Good to know
- Online only, for UK-resident adults. Needs a nominated UK bank account in your own name; fund within 14 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- United Trust Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (One Ropemaker Street, London EC2Y 9AW)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 204463). Registered in England and Wales 549690 (FRN 204463)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
28. Charter Savings Bank
1 Year Fixed Rate Cash ISA
4.93%
AER fixed
- Access
- 1 year fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access costs a charge equal to 90 days' interest on the amount withdrawn.
- How to open
- Online
- Your money is held by
- Charter Court Financial Services Limited
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Charter Court Financial Services Limited (trading as Charter Savings Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- Wolverhampton, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 494549)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
29. 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
-
30. Close Brothers Savings
1 Year Fixed Rate Cash ISA
4.91%
AER fixed
- Access
- 1 year fixed
- Minimum
- £10,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No access during the term. Free to close within 14 days; after that, early closure needs a full withdrawal plus an early closure fee.
- How to open
- Online
- Your money is held by
- Close Brothers Limited
- Good to know
- Maximum deposit £2 million per account.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Close Brothers Limited (trading as Close Brothers Savings)
- 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 124750)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
31. Nationwide Building Society
3 Year Fixed Rate Cash ISA
4.90%
AER fixed
- Access
- 3 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can only close the whole ISA early, with a charge of 180 days' interest, and there are no part withdrawals or top-ups.
- How to open
- Branch (new customers), online or app (existing customers)
- Your money is held by
- Nationwide Building Society
- Good to know
- New customers must apply in branch. Fund it when you open it. Moves to an instant access Cash ISA at the end of the term.
- 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
-
32. Santander
5 Year Fixed Rate ISA
4.90%
AER fixed
- Access
- Fixed to Nov 2031
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Take out all of the balance, not part, by closing the account or transferring the ISA, for a charge of 120 days' interest.
- How to open
- Online, app or branch
- Your money is held by
- Santander UK plc
- Good to know
- Fixed until 1 November 2031. Deposits close on 30 November 2026. £200 hotel voucher for a full transfer of £25,000 or more from a non-Santander ISA.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Santander
- All Santander Cash ISAs compared
- Legal name
- Santander UK 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 106054)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
33. Castle Trust Bank
1 year Fixed Rate e-Cash ISA
4.88%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Full-amount withdrawals before maturity (including transfer out) cost an early exit charge of 90 days' interest; ask by phone or secure message.
- How to open
- Online
- Your money is held by
- Castle Trust Capital plc
- Good to know
- Online only; needs a UK current account in your name. 14-day funding window, then no more deposits.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Castle Trust Capital plc (trading as Castle Trust Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 10 Norwich Street, London EC4A 1BD)
- Regulatory status
- Castle Trust Capital plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under reference number 541910. Incorporated in England and Wales, company number 07454474 (FRN 541910)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
34. Skipton Building Society
3 Year Fixed Rate Cash ISA
4.87%
AER fixed
- Access
- 3 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No part withdrawals, but you can close the account and take the full balance at any time for a charge of 240 days' interest after the 14-day cancellation period.
- How to open
- Online, app, branch, phone or post
- Your money is held by
- Skipton Building Society
- Good to know
- Closes to payments in and ISA transfers on 11 November 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.
- 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
-
35. Nationwide Building Society
2 Year Fixed Rate Cash ISA
4.85%
AER fixed
- Access
- 2 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can only close the whole ISA early, with a charge of 120 days' interest, and there are no part withdrawals or top-ups.
- How to open
- Branch (new customers), online or app (existing customers)
- Your money is held by
- Nationwide Building Society
- Good to know
- New customers must apply in branch. Fund it when you open it. Moves to an instant access Cash ISA at the end of the term.
- 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
-
36. Yorkshire Building Society
Fixed Rate Cash eISA until 30 November 2029
4.85%
AER fixed
- Access
- Fixed to Nov 2029
- Minimum
- £100
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals before the end date, and closing early costs 270 days' interest apart from exceptions such as critical illness, death or redundancy.
- How to open
- Online or app
- Your money is held by
- Yorkshire Building Society
- Good to know
- Fixed until 30 November 2029. Limited offer that can come off sale without notice. After it closes to new customers you have at least 30 days to add money.
- 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
-
37. Santander
3 Year Fixed Rate ISA
4.85%
AER fixed
- Access
- Fixed to Nov 2029
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Take out all of the balance, not part, by closing the account or transferring the ISA, for a charge of 120 days' interest.
- How to open
- Online, app or branch
- Your money is held by
- Santander UK plc
- Good to know
- Fixed until 1 November 2029. Deposits close on 30 November 2026. £200 hotel voucher for a full transfer of £25,000 or more from a non-Santander ISA.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Santander
- All Santander Cash ISAs compared
- Legal name
- Santander UK 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 106054)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
38. Shawbrook Bank
2 Year Fixed Rate Cash ISA (Issue 106)
4.85%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access costs a loss of 180 days' interest on the amount withdrawn.
- How to open
- Online
- Your money is held by
- Shawbrook Bank Limited
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Shawbrook Bank Limited
- Country of incorporation
- United Kingdom
- 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 204574)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
39. Hampshire Trust Bank
3 Year Online ISA Fixed Saver (Issue 11)
4.83%
AER fixed
- Access
- 3 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can withdraw or transfer out your full balance early for a fee of 90 days' interest for each year (or part year) remaining. No partial transfers.
- How to open
- Online
- Your money is held by
- Hampshire Trust Bank Plc
- Good to know
- Online only, for UK permanent residents aged 18 or over. Fund within 14 days of applying; start any ISA transfer within 14 days of opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Hampshire Trust Bank Plc
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 80 Fenchurch Street, London EC3M 4BY)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (FRN 204601). Company registered in England and Wales, registration number 01311315 (FRN 204601)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
40. 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
-
41. 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
-
42. Skipton Building Society
19 Month Fixed Rate Cash ISA
4.81%
AER fixed
- Access
- 19 months fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No part withdrawals, but you can close the account and take the full balance at any time for a charge of 90 days' interest after the 14-day cancellation period.
- How to open
- Online, app, branch, phone or post
- Your money is held by
- Skipton Building Society
- Good to know
- Closes to payments in and ISA transfers on 2 December 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.
- 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
-
43. Santander
2 Year Fixed Rate ISA
4.80%
AER fixed
- Access
- Fixed to Nov 2028
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Take out all of the balance, not part, by closing the account or transferring the ISA, for a charge of 120 days' interest.
- How to open
- Online, app or branch
- Your money is held by
- Santander UK plc
- Good to know
- Fixed until 1 November 2028. Deposits close on 30 November 2026. £200 hotel voucher for a full transfer of £25,000 or more from a non-Santander ISA.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Santander
- All Santander Cash ISAs compared
- Legal name
- Santander UK 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 106054)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
44. 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
-
45. Hampshire Trust Bank
2 Year Online ISA Fixed Saver (Issue 45)
4.77%
AER fixed
- Access
- 2 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can withdraw or transfer out your full balance early for a fee of 90 days' interest for each year (or part year) remaining. No partial transfers.
- How to open
- Online
- Your money is held by
- Hampshire Trust Bank Plc
- Good to know
- Online only, for UK permanent residents aged 18 or over. Fund within 14 days of applying; start any ISA transfer within 14 days of opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Hampshire Trust Bank Plc
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 80 Fenchurch Street, London EC3M 4BY)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (FRN 204601). Company registered in England and Wales, registration number 01311315 (FRN 204601)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
46. Marsden Building Society
Fixed Rate Cash ISA (Issue 335)
4.77%
AER fixed
- Access
- Fixed to Nov 2031
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals before maturity. Closing or transferring out early costs 360 days' interest.
- How to open
- Branch
- Your money is held by
- Marsden Building Society
- Good to know
- Branch only, at one of Marsden's Lancashire branches. Matures on 30 November 2031. ISA transfers in only at opening.
- 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
-
47. 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
-
48. 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
-
49. 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
-
50. Nationwide Building Society
1 Year Fixed Rate Cash ISA
4.75%
AER fixed
- Access
- 1 year fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can only close the whole ISA early, with a charge of 60 days' interest, and there are no part withdrawals or top-ups.
- How to open
- Branch (new customers), online or app (existing customers)
- Your money is held by
- Nationwide Building Society
- Good to know
- New customers must apply in branch. Fund it when you open it. Moves to an instant access Cash ISA at the end of the term.
- 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
-
51. Shawbrook Bank
1 Year Fixed Rate Cash ISA (Issue 133)
4.75%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access costs a loss of 90 days' interest on the amount withdrawn.
- How to open
- Online
- Your money is held by
- Shawbrook Bank Limited
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Shawbrook Bank Limited
- Country of incorporation
- United Kingdom
- 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 204574)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
52. 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
-
53. Zopa
Smart ISA (4 Year Fixed Term pot)
4.70%
AER fixed
- Access
- 4 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access before the term ends closes the fixed term pot and costs 320 days of interest.
- How to open
- App
- Your money is held by
- Zopa Bank Limited
- Good to know
- Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.
- 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
-
54. Zopa
Smart ISA (5 Year Fixed Term pot)
4.70%
AER fixed
- Access
- 5 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access before the term ends closes the fixed term pot and costs 365 days of interest.
- How to open
- App
- Your money is held by
- Zopa Bank Limited
- Good to know
- Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.
- 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
-
55. Yorkshire Building Society
Fixed Rate Cash eISA until 30 November 2028
4.70%
AER fixed
- Access
- Fixed to Nov 2028
- Minimum
- £100
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals before the end date, and closing early costs 180 days' interest apart from exceptions such as critical illness, death or redundancy.
- How to open
- Online or app
- Your money is held by
- Yorkshire Building Society
- Good to know
- Fixed until 30 November 2028. Limited offer that can come off sale without notice. After it closes to new customers you have at least 30 days to add money.
- 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
-
56. Furness Building Society
1 Year Fixed Rate ISA (Tax Year 2026/2027)
4.70%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. You can close early, but it costs 180 days' interest.
- 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. One deposit only: fund within 14 days of applying.
- 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
-
57. Hampshire Trust Bank
1 Year Online ISA Fixed Saver (Issue 46)
4.68%
AER fixed
- Access
- 1 year fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can withdraw or transfer out your full balance early for a fee of 90 days' interest for each year (or part year) remaining. No partial transfers.
- How to open
- Online
- Your money is held by
- Hampshire Trust Bank Plc
- Good to know
- Online only, for UK permanent residents aged 18 or over. Fund within 14 days of applying; start any ISA transfer within 14 days of opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Hampshire Trust Bank Plc
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (registered office: 80 Fenchurch Street, London EC3M 4BY)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority (FRN 204601). Company registered in England and Wales, registration number 01311315 (FRN 204601)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
58. Zopa
Smart ISA (3 Year Fixed Term pot)
4.65%
AER fixed
- Access
- 3 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access before the term ends closes the fixed term pot and costs 270 days of interest.
- How to open
- App
- Your money is held by
- Zopa Bank Limited
- Good to know
- Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.
- 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
-
59. Leeds Building Society
5 Year Fixed Rate Cash ISA (Issue 180)
4.65%
AER fixed
- Access
- 5 years fixed
- Minimum
- £100
- Transfers in
- Yes
- Flexible
- No
Rate falls to 0.05% variable if the balance drops below £100.
Details and provider information
- Withdrawals
- Withdrawals and transfers out cost 365 days' interest on the amount taken out, and money withdrawn cannot be replaced.
- How to open
- Online, branch or post
- Your money is held by
- Leeds Building Society
- Good to know
- Limited issue: deposits and transfers in close on 3 November 2026. Interest paid annually. Maximum balance £1,000,000. One Cash ISA per tax year with Leeds.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- More from Leeds Building Society
- All Leeds Building Society Cash ISAs compared
- Legal name
- Leeds Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Leeds, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 164992)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
60. Santander
1 Year Fixed Rate ISA
4.65%
AER fixed
- Access
- Fixed to Nov 2027
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Take out all of the balance, not part, by closing the account or transferring the ISA, for a charge of 120 days' interest.
- How to open
- Online, app or branch
- Your money is held by
- Santander UK plc
- Good to know
- Fixed until 1 November 2027. Deposits close on 30 November 2026. £200 hotel voucher for a full transfer of £25,000 or more from a non-Santander ISA.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Santander
- All Santander Cash ISAs compared
- Legal name
- Santander UK 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 106054)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
61. 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
-
62. Zopa
Smart ISA (2 Year Fixed Term pot)
4.60%
AER fixed
- Access
- 2 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access before the term ends closes the fixed term pot and costs 180 days of interest.
- How to open
- App
- Your money is held by
- Zopa Bank Limited
- Good to know
- Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.
- 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
-
63. Skipton Building Society
2 Year Fixed Rate Cash ISA
4.60%
AER fixed
- Access
- 2 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No part withdrawals, but you can close the account and take the full balance at any time for a charge of 180 days' interest after the 14-day cancellation period.
- How to open
- Online, app, branch, phone or post
- Your money is held by
- Skipton Building Society
- Good to know
- Closes to payments in and ISA transfers on 2 December 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.
- 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
-
64. The Cambridge Building Society
18 Month Fixed Rate ISA (Issue 22)
4.60%
AER fixed
- Access
- 18 months fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdrawals are allowed at any time but cost 150 days' interest on the amount withdrawn. Not a flexible ISA.
- How to open
- Branch, Phone, Post
- Your money is held by
- The Cambridge Building Society
- Good to know
- Not available online: open in branch, by phone or by post. Transfers in and payments are accepted only within 30 days of opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- The Cambridge Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Cambridge, UK (registered office: 51 Newmarket Road, Cambridge CB5 8EG)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Registration Number 157223) (FRN 157223)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
65. Cumberland Building Society
Five Year ISA Cash Fixed Term (5ISF47)
4.60%
AER fixed
- Access
- 5 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals during the term. Closing or transferring out early costs 90 days' interest; penalty-free access starts the day after maturity.
- How to open
- Branch
- Your money is held by
- Cumberland Building Society
- Good to know
- New customers must live in Cumbria, South-West Scotland, West Northumberland or North Lancashire and open at a branch.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Cumberland Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Carlisle, Cumbria, UK (head office: Cumberland House, Cooper Way, Parkhouse, Carlisle CA3 0JF)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority and entered in the Financial Services Register under Register Number 106074 (FRN 106074)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
66. Leek Building Society
2 Year Fixed Rate Cash ISA
4.60%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. You can close or transfer the whole ISA at any time, but it costs 120 days' interest on the full balance.
- How to open
- Online, Branch, Post
- Your money is held by
- Leek United Building Society
- Good to know
- For UK residents aged 18 or over. Lump sum only: fund within 14 days of opening, then no further payments.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Leek United Building Society (trading as Leek Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Leek, Staffordshire, UK (head office: 50 St. Edward Street, Leek, Staffordshire ST13 5DL)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, with firm reference number 100014 (FRN 100014)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
67. Saffron Building Society
One Year Fixed Rate Loyalty ISA
4.56%
AER fixed
- Access
- 1 year fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals during the term. Closing early costs 180 days' interest, deducted from the capital balance.
- How to open
- Branch
- Your money is held by
- Saffron Building Society
- Good to know
- For Saffron savers or mortgage customers of 3 months or more, or those reinvesting a matured account. New customers: Brentwood branch only, until 31 December 2026.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Saffron Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Saffron Walden, Essex, UK (registered office: Saffron House, 1a Market Street, Saffron Walden, Essex CB10 1HX)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register no. 100015) except for Commercial and Investment Buy to Let Mortgages (FRN 100015)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
68. 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
-
69. Yorkshire Building Society
Fixed Rate Cash eISA until 30 November 2027
4.55%
AER fixed
- Access
- Fixed to Nov 2027
- Minimum
- £100
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals before the end date, and closing early costs 90 days' interest apart from exceptions such as critical illness, death or redundancy.
- How to open
- Online or app
- Your money is held by
- Yorkshire Building Society
- Good to know
- Fixed until 30 November 2027. Limited offer that can come off sale without notice. After it closes to new customers you have at least 30 days to add money.
- 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
-
70. The Cambridge Building Society
1 Year Fixed Rate ISA (Issue 76)
4.55%
AER fixed
- Access
- 1 year fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdrawals are allowed at any time but cost 120 days' interest on the amount withdrawn. Not a flexible ISA.
- How to open
- Branch, Phone, Post
- Your money is held by
- The Cambridge Building Society
- Good to know
- Not available online: open in branch, by phone or by post. Transfers in and payments are accepted only within 30 days of opening.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- The Cambridge Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Cambridge, UK (registered office: 51 Newmarket Road, Cambridge CB5 8EG)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Registration Number 157223) (FRN 157223)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
71. Cumberland Building Society
Two Year ISA Cash Fixed Term (2IS014)
4.55%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals during the term. Closing or transferring out early costs 90 days' interest; penalty-free access starts the day after maturity.
- How to open
- Branch
- Your money is held by
- Cumberland Building Society
- Good to know
- New customers must live in Cumbria, South-West Scotland, West Northumberland or North Lancashire and open at a branch.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Cumberland Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Carlisle, Cumbria, UK (head office: Cumberland House, Cooper Way, Parkhouse, Carlisle CA3 0JF)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority and entered in the Financial Services Register under Register Number 106074 (FRN 106074)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
72. Leek Building Society
1 Year Fixed Rate Cash ISA
4.55%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. You can close or transfer the whole ISA at any time, but it costs 120 days' interest on the full balance.
- How to open
- Online, Branch, Post
- Your money is held by
- Leek United Building Society
- Good to know
- For UK residents aged 18 or over. Lump sum only: fund within 14 days of opening, then no further payments.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Leek United Building Society (trading as Leek Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Leek, Staffordshire, UK (head office: 50 St. Edward Street, Leek, Staffordshire ST13 5DL)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, with firm reference number 100014 (FRN 100014)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
73. Monmouthshire Building Society
2 Year Fixed Rate Cash ISA
4.55%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals after the 14-day cancellation period. Closing or transferring to another provider early costs 180 days' interest.
- How to open
- Online, App, Branch
- Your money is held by
- Monmouthshire Building Society
- Good to know
- UK residents only, excluding Northern Ireland. Payments accepted in the first 30 days only.
- 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
-
74. Monmouthshire Building Society
5 Year Fixed Rate Cash ISA
4.55%
AER fixed
- Access
- 5 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals after the 14-day cancellation period. Closing or transferring to another provider early costs 450 days' interest.
- How to open
- App, Branch
- Your money is held by
- Monmouthshire Building Society
- Good to know
- UK residents only, excluding Northern Ireland. Branch, agency or app only (no web application). Payments accepted in the first 30 days only.
- 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
-
75. Bath Building Society
Five Year Fixed Rate ISA (Issue 6)
4.50%
AER fixed
- Access
- 5 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdrawals are allowed but cost 365 days' interest, taken from future interest first, then from the balance. Not a flexible ISA.
- How to open
- Online, Branch
- Your money is held by
- Bath Investment & Building Society
- Good to know
- Limited issue. For UK tax residents only. Add money for 14 days after opening, then no more; start any ISA transfer within 14 days.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Bath Investment & Building Society (trading as Bath Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Bath, Somerset, UK (head office: 15 Queen Square, Bath BA1 2HN)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Registration Number 206026 (FRN 206026)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
76. first direct
Fixed Rate Cash ISA
4.50%
AER fixed
- Access
- 1 year fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. Getting money out early means closing the account and paying an early closure fee of up to 90 days' interest.
- How to open
- App or phone
- Your money is held by
- HSBC UK Bank plc
- Good to know
- For first direct 1st Account holders only. There is a 30-day deposit window before the term starts. Only cash ISAs can be transferred in.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from first direct
- All first direct Cash ISAs compared
- Legal name
- HSBC UK Bank plc (trading as first direct)
- Country of incorporation
- England and Wales
- Principal place of business
- Birmingham, UK
- Regulatory status
- HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 765112)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with HSBC UK and M&S Bank
- Complaints
- Financial Ombudsman Service
-
77. United Trust Bank
Cash ISA 4 Year Bond
4.50%
AER fixed
- Access
- 4 years fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early withdrawal or transfer out is allowed but charged: 90 days' interest with under a year left, rising to 365 days' with 4 or more years left.
- How to open
- Online
- Your money is held by
- United Trust Bank Limited
- Good to know
- Online only, for UK-resident adults. Needs a nominated UK bank account in your own name; fund within 14 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- United Trust Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (One Ropemaker Street, London EC2Y 9AW)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 204463). Registered in England and Wales 549690 (FRN 204463)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
78. Skipton Building Society
1 Year Fixed Rate Cash ISA
4.45%
AER fixed
- Access
- 1 year fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No part withdrawals, but you can close the account and take the full balance at any time for a charge of 60 days' interest after the 14-day cancellation period.
- How to open
- Online, app, branch, phone or post
- Your money is held by
- Skipton Building Society
- Good to know
- Closes to payments in and ISA transfers on 2 December 2026. Interest annual or monthly at the same AER. Maximum balance £1 million. No joint accounts.
- 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
-
79. M&S Bank
M&S Cash ISA Fixed Rate Savings option, 3 year
4.45%
AER fixed
- Access
- 3 years fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. Withdrawing or transferring out the whole fixed-rate option early costs a £100 fee.
- How to open
- Online, phone or post
- Your money is held by
- HSBC UK Bank plc
- Good to know
- Limited offer, subject to availability. Open to anyone aged 18 or over.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from M&S Bank
- All M&S Bank Cash ISAs compared
- Legal name
- HSBC UK Bank plc (trading as M&S Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- Birmingham, UK
- Regulatory status
- HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 765112)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with HSBC UK and first direct
- Complaints
- Financial Ombudsman Service
-
80. Bath Building Society
One Year Fixed Rate ISA (Issue 24)
4.40%
AER fixed
- Access
- 1 year fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdrawals are allowed but cost 90 days' interest, taken from future interest first, then from the balance. Not a flexible ISA.
- How to open
- Online, Branch
- Your money is held by
- Bath Investment & Building Society
- Good to know
- For UK tax residents only. Add money for 14 days after opening, then no more; start any ISA transfer within 14 days.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Bath Investment & Building Society (trading as Bath Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Bath, Somerset, UK (head office: 15 Queen Square, Bath BA1 2HN)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Registration Number 206026 (FRN 206026)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
81. Bath Building Society
Two Year Fixed Rate ISA (Issue 6)
4.40%
AER fixed
- Access
- 2 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Withdrawals are allowed but cost 180 days' interest, taken from future interest first, then from the balance. Not a flexible ISA.
- How to open
- Online, Branch
- Your money is held by
- Bath Investment & Building Society
- Good to know
- For UK tax residents only. Add money for 14 days after opening, then no more; start any ISA transfer within 14 days.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Bath Investment & Building Society (trading as Bath Building Society)
- Country of incorporation
- United Kingdom
- Principal place of business
- Bath, Somerset, UK (head office: 15 Queen Square, Bath BA1 2HN)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, Registration Number 206026 (FRN 206026)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
82. Monmouthshire Building Society
3 Year Fixed Rate Cash ISA
4.40%
AER fixed
- Access
- 3 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals after the 14-day cancellation period. Closing or transferring to another provider early costs 270 days' interest.
- How to open
- App, Branch
- Your money is held by
- Monmouthshire Building Society
- Good to know
- UK residents only, excluding Northern Ireland. Branch, agency or app only (no web application). Payments accepted in the first 30 days only.
- 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
-
83. Marsden Building Society
Fixed Rate Cash ISA (Issue 337)
4.40%
AER fixed
- Access
- Fixed to Jun 2028
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals before maturity. Closing or transferring out early costs 210 days' interest.
- How to open
- Branch
- Your money is held by
- Marsden Building Society
- Good to know
- Branch only, at one of Marsden's Lancashire branches. Matures on 30 June 2028. ISA transfers in only at opening.
- 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
-
84. Monmouthshire Building Society
1 Year Fixed Rate Cash ISA
4.35%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals after the 14-day cancellation period. Closing or transferring to another provider early costs 90 days' interest.
- How to open
- Online, App, Branch
- Your money is held by
- Monmouthshire Building Society
- Good to know
- UK residents only, excluding Northern Ireland. Payments accepted in the first 30 days only.
- 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
-
85. HSBC UK
Fixed Rate Cash ISA
4.30%
AER fixed
- Access
- 1 year fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. The only way to get money out early is to close the account, for an early closure fee of up to 90 days' interest.
- How to open
- App, phone or branch
- Your money is held by
- HSBC UK Bank plc
- Good to know
- For HSBC current account holders only. There is a 30-day deposit window before the term starts. Becomes a Loyalty Cash ISA at maturity.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from HSBC
- All HSBC Cash ISAs compared
- Legal name
- HSBC UK Bank plc
- Country of incorporation
- England and Wales
- Principal place of business
- Birmingham, UK
- Regulatory status
- HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 765112)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with first direct and M&S Bank
- Complaints
- Financial Ombudsman Service
-
86. M&S Bank
M&S Cash ISA Fixed Rate Savings option, 2 year
4.30%
AER fixed
- Access
- 2 years fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. Withdrawing or transferring out the whole fixed-rate option early costs a £75 fee.
- How to open
- Online, phone or post
- Your money is held by
- HSBC UK Bank plc
- Good to know
- Limited offer, subject to availability. Open to anyone aged 18 or over.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from M&S Bank
- All M&S Bank Cash ISAs compared
- Legal name
- HSBC UK Bank plc (trading as M&S Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- Birmingham, UK
- Regulatory status
- HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 765112)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with HSBC UK and first direct
- Complaints
- Financial Ombudsman Service
-
87. NatWest
Fixed Rate ISA, 1 Year (Issue 408)
4.25%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals after 23 November 2026. Closing early costs the lower of the interest earned or 90 days' interest.
- How to open
- App, online, branch or phone (phone for existing customers only)
- Your money is held by
- National Westminster Bank Plc
- Good to know
- Time-limited: new-to-bank customers can apply until 5pm on 4 November 2026 (existing customers until 9 November), or sooner if it sells out.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from NatWest
- All NatWest Cash ISAs compared
- Legal name
- National Westminster Bank Plc (trading as NatWest)
- 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 121878)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
88. NatWest
Fixed Rate ISA, 2 Year (Issue 409)
4.25%
AER fixed
- Access
- 2 years fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals after 23 November 2026. Closing early costs the lower of the interest earned or 90 days' interest.
- How to open
- App, online, branch or phone (phone for existing customers only)
- Your money is held by
- National Westminster Bank Plc
- Good to know
- Time-limited: new-to-bank customers can apply until 5pm on 4 November 2026 (existing customers until 9 November), or sooner if it sells out.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from NatWest
- All NatWest Cash ISAs compared
- Legal name
- National Westminster Bank Plc (trading as NatWest)
- 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 121878)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
89. Cumberland Building Society
One Year ISA Cash Fixed Term (1IS021)
4.25%
AER fixed
- Access
- 1 year fixed
- Minimum
- £1,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals during the term. Closing or transferring out early costs 90 days' interest; penalty-free access starts the day after maturity.
- How to open
- Branch
- Your money is held by
- Cumberland Building Society
- Good to know
- New customers must live in Cumbria, South-West Scotland, West Northumberland or North Lancashire and open at a branch.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Cumberland Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Carlisle, Cumbria, UK (head office: Cumberland House, Cooper Way, Parkhouse, Carlisle CA3 0JF)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority and entered in the Financial Services Register under Register Number 106074 (FRN 106074)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
90. M&S Bank
M&S Cash ISA Fixed Rate Savings option, 1 year
4.20%
AER fixed
- Access
- 1 year fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals. Withdrawing or transferring out the whole fixed-rate option early costs a £50 fee.
- How to open
- Online, phone or post
- Your money is held by
- HSBC UK Bank plc
- Good to know
- Limited offer, subject to availability. Open to anyone aged 18 or over.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from M&S Bank
- All M&S Bank Cash ISAs compared
- Legal name
- HSBC UK Bank plc (trading as M&S Bank)
- Country of incorporation
- England and Wales
- Principal place of business
- Birmingham, UK
- Regulatory status
- HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 765112)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with HSBC UK and first direct
- Complaints
- Financial Ombudsman Service
-
91. Saffron Building Society
Two Year Fixed Rate Loyalty ISA
4.20%
AER fixed
- Access
- 2 years fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals during the term. Closing early costs 180 days' interest, deducted from the capital balance.
- How to open
- Branch
- Your money is held by
- Saffron Building Society
- Good to know
- For Saffron savers or mortgage customers of 3 months or more, or those reinvesting a matured account. New customers: Brentwood branch only, until 31 December 2026.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Saffron Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Saffron Walden, Essex, UK (registered office: Saffron House, 1a Market Street, Saffron Walden, Essex CB10 1HX)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register no. 100015) except for Commercial and Investment Buy to Let Mortgages (FRN 100015)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
92. West Brom Building Society
1 Year Fixed Rate ISA
4.15%
AER fixed
- Access
- Fixed to Sept 2027
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can withdraw or close early, but it costs 90 days' interest. Money taken out cannot be paid back in.
- How to open
- Online, Branch
- Your money is held by
- West Bromwich Building Society
- Good to know
- Matures on a set date, 30 September 2027. Money can be added only while the issue is on sale, and it can close without warning.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- Legal name
- West Bromwich Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- West Bromwich, West Midlands, UK (head office: 2 Providence Place, West Bromwich B70 8AF)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Register No: 104877 (FRN 104877)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
93. West Brom Building Society
2 Year Fixed Rate ISA
4.15%
AER fixed
- Access
- Fixed to Sept 2028
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- You can withdraw or close early, but it costs 150 days' interest. Money taken out cannot be paid back in.
- How to open
- Online, Branch
- Your money is held by
- West Bromwich Building Society
- Good to know
- Matures on a set date, 30 September 2028. Interest is paid yearly, or monthly at 4.07% tax-free.
- Rate checked
- On the provider's own site on 6 October 2026. Source
- Legal name
- West Bromwich Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- West Bromwich, West Midlands, UK (head office: 2 Providence Place, West Bromwich B70 8AF)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Register No: 104877 (FRN 104877)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
94. Ford Money
Fixed Cash ISA (3 Years)
4.15%
AER fixed
- Access
- 3 years fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Close or transfer out early for a term breakage charge of 270 days' gross interest. After early closure you can't open another cash ISA that tax year.
- 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
-
95. Lloyds Bank
2 Year Fixed Rate Cash ISA
4.10%
AER fixed
- Access
- 2 years fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals. You can close or transfer out early, but you lose 180 days' tax-free interest.
- 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. Deposit within 30 days of opening, then no more deposits.
- 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
-
96. Ford Money
Fixed Cash ISA (2 Years)
4.10%
AER fixed
- Access
- 2 years fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Close or transfer out early for a term breakage charge of 180 days' gross interest. After early closure you can't open another cash ISA that tax year.
- 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
-
97. Marsden Building Society
Fixed Rate Cash ISA (Issue 332)
4.10%
AER fixed
- Access
- Fixed to Sept 2027
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals before maturity. Closing or transferring out early costs 120 days' interest.
- How to open
- Branch
- Your money is held by
- Marsden Building Society
- Good to know
- Branch only, at one of Marsden's Lancashire branches. Matures on 30 September 2027. ISA transfers in only at opening.
- 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
-
98. Lloyds Bank
1 Year Fixed Rate Cash ISA
4.00%
AER fixed
- Access
- 1 year fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals. You can close or transfer out early, but you lose 90 days' tax-free interest.
- 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. Lloyds Premier current account holders (account open 8 days or more) earn 4.20% AER.
- 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
-
99. Ford Money
Fixed Cash ISA (1 Year)
4.00%
AER fixed
- Access
- 1 year fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Close or transfer out early for a term breakage charge of 90 days' gross interest. After early closure you can't open another cash ISA that tax year.
- 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
-
100. Saffron Building Society
One Year Fixed Rate Cash ISA
3.95%
AER fixed
- Access
- 1 year fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals during the term. Closing early costs 180 days' interest, deducted from the capital balance.
- How to open
- Online, Branch, Post
- Your money is held by
- Saffron Building Society
- Good to know
- Cash ISA transfers only, with the form returned within 15 days of opening. Pay in within 30 days of opening, then no more.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Saffron Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Saffron Walden, Essex, UK (registered office: Saffron House, 1a Market Street, Saffron Walden, Essex CB10 1HX)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register no. 100015) except for Commercial and Investment Buy to Let Mortgages (FRN 100015)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
101. Saffron Building Society
Two Year Fixed Rate Cash ISA
3.95%
AER fixed
- Access
- 2 years fixed
- Minimum
- £500
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals during the term. Closing early costs 180 days' interest, deducted from the capital balance.
- How to open
- Online, Branch, Post
- Your money is held by
- Saffron Building Society
- Good to know
- Return the ISA transfer form within 15 days of opening. Pay in within 30 days of opening, then no more.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- Saffron Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Saffron Walden, Essex, UK (registered office: Saffron House, 1a Market Street, Saffron Walden, Essex CB10 1HX)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register no. 100015) except for Commercial and Investment Buy to Let Mortgages (FRN 100015)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
102. United Trust Bank
Cash ISA 7 Year Bond
3.70%
AER fixed
- Access
- 7 years fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early withdrawal or transfer out is allowed but charged: 90 days' interest with under a year left, rising to 365 days' with 4 or more years left.
- How to open
- Online
- Your money is held by
- United Trust Bank Limited
- Good to know
- Online only, for UK-resident adults. Needs a nominated UK bank account in your own name; fund within 14 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- United Trust Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (One Ropemaker Street, London EC2Y 9AW)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 204463). Registered in England and Wales 549690 (FRN 204463)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
-
103. Metro Bank
Fixed Rate Cash ISA (3 years)
3.65%
AER fixed
- Access
- 3 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals; closing or transferring out early loses 180 days' interest (or all interest earned if less). Not a flexible ISA.
- 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. Start any ISA transfer within 7 days of opening and complete it within 30 days.
- 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
-
104. Metro Bank
Fixed Rate Cash ISA (5 years)
3.65%
AER fixed
- Access
- 5 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals; closing or transferring out early loses 180 days' interest (or all interest earned if less). Not a flexible ISA.
- 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. Start any ISA transfer within 7 days of opening and complete it within 30 days.
- 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
-
105. Metro Bank
Fixed Rate Cash ISA (1 year)
3.60%
AER fixed
- Access
- 1 year fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals; closing or transferring out early loses 180 days' interest (or all interest earned if less). Not a flexible ISA.
- 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. Start any ISA transfer within 7 days of opening and complete it within 30 days.
- 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
-
106. Metro Bank
Fixed Rate Cash ISA (2 years)
3.60%
AER fixed
- Access
- 2 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No partial withdrawals; closing or transferring out early loses 180 days' interest (or all interest earned if less). Not a flexible ISA.
- 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. Start any ISA transfer within 7 days of opening and complete it within 30 days.
- 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
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How many Cash ISAs accept transfers in?
172 of the 184 Cash ISAs in our tables accept transfers in: 60 of 64 easy access, 106 of 114 fixed rate and all 6 notice. The other 12 do not. The "Transfers in" line on each card shows Yes or No. Islamic Cash ISAs are compared separately on our Halal ISA page, so they are not counted here.
The two tables above hold the easy access and fixed rate accounts. The 6 notice Cash ISAs that accept transfers in are ranked on the notice Cash ISA page.
How do you transfer a Cash ISA?
You can transfer all or part of your ISA savings to another provider at any time. To switch, contact the provider you want to move to and fill out an ISA transfer form. gov.uk adds: "If you withdraw the money without doing this, you will not be able to reinvest that part of your tax-free allowance again".
A transfer is not a new payment, so it does not count towards your £20,000 yearly allowance. gov.uk says transfers between cash ISAs should take no longer than 15 working days. See how ISA transfers work.
Can a transfer cost anything?
Providers may make you pay a charge to transfer. HMRC's guidance says a fixed-term product may incur an exit penalty on transfer, and you can ask for the transfer to happen when the product matures. To see what a charge would cost on your own savings, use our fixed rate ISA penalty calculator.
Is the transfer block still planned?
HMRC had planned that, from 6 April 2027, savers who are 64 or under at the end of the tax year could not transfer a Stocks and Shares or Innovative Finance ISA into a Cash ISA. The Budget documents on 28 October 2026 do not mention it, and press reports say it is not going ahead as planned, so we treat it as unconfirmed. See ISA transfers and the Cash ISA limit for what we know.
Questions people ask
How many Cash ISAs accept transfers in?
172 of the 184 Cash ISAs in our tables accept transfers in: 60 of 64 easy access, 106 of 114 fixed rate and all 6 notice. Each card shows Yes or No under "Transfers in", and its details list any condition on transfers in that we found.
How do I transfer a Cash ISA, and how long does it take?
To switch, contact the provider you want to move to and fill out an ISA transfer form. You can transfer all or part of your ISA savings to another provider at any time. gov.uk says transfers between cash ISAs should take no longer than 15 working days, and that providers may make you pay a charge.
Does a transfer use up my ISA allowance?
No. A transfer is not a new payment, so it does not count towards the £20,000 yearly allowance. If you withdraw the money instead of using a transfer form, gov.uk says you will not be able to reinvest that part of your tax-free allowance again. See how ISA transfers work.
Can I move a fixed rate ISA before it ends?
HMRC's guidance says a fixed-term product may incur an exit penalty on transfer, and you can ask for the transfer to happen when the product matures. The fixed rate ISA penalty calculator works out what a charge would cost.
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): transferring your ISA (gov.uk)
- 2 Transfer an ISA if you're an ISA manager (HMRC guidance) (gov.uk)
- 3 Individual Savings Accounts (ISAs): how ISAs work (gov.uk)
- 4 ISA reform 2027: anti-circumvention rules factsheet (gov.uk)
- 5 What we cover: FSCS protection limits (fscs.org.uk)