TSB ISA rates

How TSB's ISA rates compare

TSB's highest easy access rate is 3.00% AER, on its Save Well Limited Access ISA. 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 TSB ISA

Fixed Rate Cash ISA (2 year term)

Withdrawals are allowed after 14 days but cost 180 days' interest on the amount taken out or transferred.

Fixed Rate Cash ISA (3 year term)

Withdrawals are allowed after 14 days but cost 270 days' interest on the amount taken out or transferred.

Fixed Rate Cash ISA (18 month term)

Withdrawals are allowed after 14 days but cost 135 days' interest on the amount taken out or transferred.

Junior Cash ISA

No withdrawals until the child turns 18 (apart from terminal illness, with HMRC permission), when it matures into an adult ISA.

Save Well Limited Access ISA

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.

Cash ISA Saver

Instant access with no notice and no withdrawal penalty. Money put back in the same tax year doesn't use extra allowance.

Transferring an ISA to or from TSB

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

How to move an ISA to TSB

• In the TSB app, you open the TSB ISA first, then tap it, choose "Manage" and select "Transfer ISA in".
• A transfer can also be started in Internet Banking, in person at a TSB branch or with the ISA transfer form.
• TSB accepts transfers of cash ISAs, stocks and shares ISAs and Innovative Finance ISAs, although an Innovative Finance ISA transfer needs a visit to a branch.
• TSB can only accept whole transfers of current tax year subscriptions and interest.
• There is no limit on how many ISAs from previous tax years can be moved, and they do not affect the allowance for the current year.
• A TSB Fixed Rate Cash ISA must receive all deposits, including transfers, within 30 days of opening.

How long a transfer takes

TSB says a cash ISA will take no more than 15 working days to transfer. For a transfer out, TSB says it normally sends the money to the new ISA provider within 5 working days of receiving the transfer application. 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 TSB

Money saved in previous tax years can be transferred in full or in part, but money saved in the current tax year must be transferred in full. A TSB Fixed Rate Cash ISA transferred to another provider more than 14 days after opening carries a charge. The charge is the interest on the amount transferred for 135 days on an 18 month term, 180 days on a 2 year term and 270 days on a 3 year term. You can move a Cash ISA from TSB 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 TSB's own website on 9 October 2026.

Is the TSB ISA flexible?

All 5 of TSB's adult Cash ISAs are flexible, so you can take money out and put it back in the same tax year without using more of your allowance.

Good to know before you open one

Fixed Rate Cash ISA (2 year term)

All deposits and transfers must arrive within 30 days of opening. Matures into a Cash ISA Saver without the bonus.

Fixed Rate Cash ISA (3 year term)

All deposits and transfers must arrive within 30 days of opening. Matures into a Cash ISA Saver without the bonus.

Fixed Rate Cash ISA (18 month term)

All deposits and transfers must arrive within 30 days of opening. Matures into a Cash ISA Saver without the bonus.

Junior Cash ISA

Branch or video call only. A parent or guardian aged 16 or over opens it; children aged 16 to 17 can open their own.

Save Well Limited Access ISA

Runs for 12 months, then becomes a Cash ISA Saver without the bonus. Closing early pays the lower rate.

Cash ISA Saver

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).

About TSB

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

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