Santander ISA rates

How Santander's ISA rates compare

Santander's highest easy access rate is 2.00% AER, on its Easy Access ISA (Issue 27). The highest easy access rate in our tables on 30 October 2026 was 4.86% AER.

Rates are set by each provider and can change. Compare every provider in the easy access, fixed rate and notice tables.

Taking money out of a Santander ISA

5 Year Fixed Rate ISA

Take out all of the balance, not part, by closing the account or transferring the ISA, for a charge of 120 days' interest.

3 Year Fixed Rate ISA

Take out all of the balance, not part, by closing the account or transferring the ISA, for a charge of 120 days' interest.

2 Year Fixed Rate ISA

Take out all of the balance, not part, by closing the account or transferring the ISA, for a charge of 120 days' interest.

1 Year Fixed Rate ISA

Take out all of the balance, not part, by closing the account or transferring the ISA, for a charge of 120 days' interest.

Junior ISA (Issue 2)

No withdrawals or closures until the account matures on the child's 18th birthday, except terminal illness or the child's death.

Easy Access ISA (Issue 27)

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.

Transferring an ISA to or from Santander

All 5 of Santander's adult Cash ISAs accept transfers in from other providers.

How to move an ISA to Santander

• You first need to open a Santander ISA: the cash ISA transfer form cannot be used until you have opened a cash ISA with Santander.
• Santander has separate forms for moving a stocks and shares ISA, a Lifetime ISA or an Innovative Finance ISA into a Santander cash ISA you already hold.
• Santander only accepts money paid into an ISA in the current tax year in full, while money from previous tax years can be transferred in whole or in part.
• The Fixed Rate ISA and Easy Access ISA have a £500 minimum balance, but you can open either with a zero balance if you transfer in existing ISAs worth at least £500.
• Santander does not charge a transfer fee, but other providers may.

How long a transfer takes

Funds can take up to 30 days to arrive after Santander receives your request, and a Fixed Rate ISA needs the application within 14 days of opening and the money within 30 days. Santander's ISA transfers page says you can transfer in ISAs from other providers at any time, while its Easy Access ISA page asks for funds from an external ISA within 14 days of opening. gov.uk says ISA transfers should take no longer than 15 working days between Cash ISAs, and 30 calendar days for other types of transfer.

Moving an ISA away from Santander

Any money paid into a Santander ISA in the current tax year must be transferred in full, while money from previous tax years can be transferred in part. Closing a Santander Fixed Rate ISA or transferring it to another provider means taking out the whole balance, and Santander charges a fee equal to 120 days' interest. Santander does not charge to close the Easy Access ISA after the 14 day cancellation period, but says some types of transfer are not allowed. You can move a Cash ISA from Santander to another provider at any time. Ask the new provider to arrange the transfer: if you take the money out yourself, it leaves the ISA and paying it in again uses your allowance. A fixed rate ISA usually charges for leaving before the end of its term. See how ISA transfers work.

Transfer details checked on Santander's own website on 9 October 2026.

Is the Santander ISA flexible?

None of Santander's adult Cash ISAs is a flexible ISA, so money you take out and pay back in counts towards your allowance again.

Good to know before you open one

5 Year Fixed Rate ISA

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.

3 Year Fixed Rate ISA

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.

2 Year Fixed Rate ISA

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.

1 Year Fixed Rate ISA

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.

Junior ISA (Issue 2)

Branch only. A parent or guardian aged 16 or over opens it for a child under 18, or a 16 or 17 year old can open their own. Moves to an ISA Saver at 18.

Easy Access ISA (Issue 27)

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.

About Santander

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

This page covers Santander's Cash ISAs only. We have no commercial relationship with Santander, and the order of the table is set by rate alone. See how we compare and how we make money.