Top cash ISAs 2024/25

Up to 5.05% easy access or up to 4.46% fixed

A cash ISA is just a savings account where you'll never pay tax on the interest – and in the 2024/25 tax year, you can put up to £20,000 into one or more, if you're 18 or over. This guide helps you decide whether you need an ISA, and shows all the top picks.

Other MSE savings guides...

Top savings accounts: The top-paying normal savings
Regular savings: Up to 7% interest if you can save monthly
Children's savings: Earn 5% on kids' savings
Current accounts: Get up to 5% on smaller sums

What is a cash ISA?

ISA

Cash ISAs are just savings accounts you NEVER pay tax on. Everyone in the UK aged 18 or over gets an ISA allowance at the start of each tax year – for 2024/25, which ends on 5 April 2025, it's £20,000.

Just like normal savings, cash ISAs come in different types. There's easy access, where you withdraw whenever you want, and fixed rate, where you get a guaranteed rate but are supposed to lock cash in for a set time.

Who are ISAs best for?

Since 2016, the personal savings allowance (PSA) means you get a tax-free amount of interest, earnable in any savings...

  • Basic 20% rate taxpayers can earn up to £1,000/year tax-free interest
  • Higher (40%) rate taxpayers can earn £500/year tax-free
  • Top (45%) rate taxpayers don't get a PSA

Remember, that's the interest you can earn, so you need a lot of savings to generate it. And with very low savings interest rates between 2016 and 2022, very few paid tax on savings interest. At one point, you needed around £250,000 in top easy-access savings to generate it.

But, now rates have risen, basic rate taxpayers only need around £20,000 in normal savings to pay tax on it, and higher-rate around £10,000...

Unusually, easy-access ISAs are currently offering higher rates than normal savings, making this the perfect time to maximise your tax-free ISA allowance.

You should consider opening (or keeping) a cash ISA if you:

  • Already pay tax on savings interest. Here opening a cash ISA rather than saving in normal savings is a no brainer.

  • Are near the limit where you'll earn enough interest to pay tax on interest. If that's the case, money in cash ISAs now could protect you from future tax.

  • Are happy to lock cash away but may just need to access it. Fixed cash ISAs must let you withdraw money (for a big interest penalty). Normal savings accounts lock your money away with no access.

Might I still be better off in normal savings even if I pay tax?

Currently, the answer is no. However, if you did want to check here's a simple method to help you compare. Take the rate on the ISA you're looking at and multiply it by:

- 1.25 if you're a basic-rate taxpayer
- 1.66 if you're higher-rate taxpayer
- 1.82 if you're a top-rate taxpayer

The result of that sum is the rate you need to get on normal savings for it to be the winner. If normal savings don't pay more than that, then you're better off in the cash ISA.

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Cash ISA need-to-knows

To help you work out if opening a cash ISA is right for you, it's worth getting your head around the following need-to-knows...

  • Many old ISAs now pay appalling rates, so check yours now. If they don't come close to the current top picks, you can transfer to boost them, but you must do it correctly. Consolidating new and old cash ISAs into one new shiny ISA makes it much easier to transfer again in future. You can also transfer an ISA without paying any new money in.

    We note in all our top picks below whether an ISA allows transfers into it.

    How to transfer an ISA

    Transferring an old ISA is a technical process – it's not just like switching a normal savings account. Yet as long as you abide by the golden ISA transfers rule, it should go smoothly.

    If you want to transfer, never withdraw money from a cash ISA! You'll immediately lose all the lasting tax benefits.

    Instead, speak to the new provider and fill in an ISA transfer form. Your new provider should then sort it all out, including moving the money over for you – keeping your ISA cash permanently tax-free.

    The banks have agreed to a guideline of 15 working days for the transfer to take place, so you should begin to receive interest within this time. If it goes much over 15 working days, it's worth complaining to the ISA provider to see if it can speed it up, or at least compensate you if the delay means you lose a decent chunk of interest.

    Can I transfer more than one old ISA into a new one?

    Consolidating all your old ISAs into one is allowed, and often a good way of upping the rate on your whole wodge of ISA cash, because providers regularly slice rates on the money you've saved in previous years.

    To do this, just tell the new provider you want to transfer in from multiple old ISAs. However, watch that it doesn't push your combined savings with one financial institution over £85,000, as then you'd no longer be within the UK's savings safety limit (read Are your savings safe?).

    Is there any reason not to transfer?

    You may be charged a penalty by your current provider for transferring out. This is not common these days (except on fixed ISAs if you leave during the term), but always check, especially if your accounts are old.

    A small penalty such as 30 days' lost interest isn't such a big issue, but a higher fee essentially locks you in, as the gain from switching is gazumped by the transfer charge. If your ISA has a penalty for leaving, work out whether you'll be better off by switching to the better interest rate.

    Can I transfer my ISA to somebody else?

    No, unfortunately not. You can withdraw the cash and give it to someone else but once money is taken out of an ISA, it loses its tax-free status – unless interest is then covered by your (or their) personal savings allowance. You also can't open a joint ISA with somebody else – ISA stands for 'individual savings account'. You get one ISA allowance each and that's it.

    Can I transfer a stocks & shares ISA into a cash ISA?

    This depends on the provider. Most providers allow you to transfer stocks & shares ISAs into cash ISAs and vice versa, however some only allow transfers in from other cash ISAs. So it's worth checking with the provider before you open the account.

    Can I do a partial ISA transfer?

    Yes, you can transfer all or part of an ISA deposit to a new ISA provider at any time. This can be current tax year subscriptions or money from past years. Following changes to the ISA rules on 6 April 2024, you can now do a partial transfer of current year subscriptions, as well as a full transfer. 

     

  • Some cash ISAs are flexible meaning you can replace cash withdrawn from them in the same tax year without it using up your year's ISA limit.

    In practice, this means that if you had £1,000 in a flexible cash ISA you could withdraw £500 and replenish it later in the tax year without affecting your ISA limit.

    Just note that you must replace the money in the same flexible ISA for it not to count towards your £20,000 allowance. 

    A £500 withdrawal from a non-flexible ISA would reduce your annual ISA limit even if you later deposited £500 back into the account. 

    We note in our top picks below whether or not the ISAs are flexible – for full info on the flexibility, see Flexible ISAs.

  • The Lifetime ISA (LISA) launched on 6 April 2017 and offers a 25% state bonus on your savings, if you use them towards buying a first home or for retirement. You can only open one if you're aged between 18 and 39.

    You can save a maximum of £4,000 a year into a LISA and use the bonus to buy property worth up to £450,000. However, access your money for anything other than purchasing a first home or for retirement aged 60+ and you'll pay a 25% withdrawal penalty. You can open LISAs and cash ISAs in the same tax year. Full info is in our Lifetime ISA guide.

  • Cash in an ISA stays tax-free as long as it's in there. The aim's to protect more of your money which is why we nag you about using the full ISA allowance if you can.

    If you miss a year now, you might regret it five years later. If you've big savings, you can gradually protect more and more of your cash. Savers who opened ISAs when they were first introduced in 1999 could now be sitting on a good tax-free lump sum (up to £241,520 plus interest when using the 2023/24 allowance).

  • Each tax year (6 April until the next 5 April), everyone aged 18 or over gets a new ISA allowance. But if you don't use it, you lose it.

    Once that year's closed, you can't put another penny in that specific ISA allowance. So if you put aside nothing in the 2023/24 tax year, when the maximum was £20,000, that's it – it's gone. Or if you put £2,000 in during 2023/24, you can't now top it up as that tax year is closed.

    If you do deposit the cash in time, you can keep it in there, tax-free, for as long as you like. Then, as soon as the new tax year starts on 6 April, you can deposit a whole new year's allowance.

  • You can open and pay into multiple cash ISAs per tax year – for example, a fixed cash ISA and an easy-access cash ISA. And following changes to the ISA rules on 6 April 2024, these can now be the same type of cash ISA too – for example, easy-access cash ISAs with two different providers.

    Just remember that the total paid in per tax year across all ISA types can't exceed your £20,000 ISA allowance.

  • Safety for savings held in ISAs works the same as with normal savings. So provided your money is in a UK-regulated bank or building society account, it's protected under the Financial Services Compensation Scheme (FSCS). Its golden rule counts for cash ISAs too...

    The first £85,000 per person, per financial institution is guaranteed.

    While that sounds simple, the exact rules are more complex – not every bank in the UK is UK-regulated and there are complicated rules involving how different banks are registered and what counts as a 'financial institution'. For full info about the rules, see our detailed Are your savings safe? guide.

    How to maximise safety

    If you've more than £85,000 of savings (including cash ISAs and others) in one bank, then, in the unlikely event it went bust, only the first £85,000 is fully guaranteed. So for total peace of mind, don't put more than this in any one institution. Spread it around instead.

    The cash ISAs we include in this guide are all from banks protected by the UK's Financial Services Compensation Scheme. 

Top easy-access cash ISAs

Easy-access cash ISAs let you take out your money when you want, without penalty – so are a good option if you know you'll be dipping into your savings, or you're not sure. There are some important things to note about ISAs which differ from standard savings accounts...

  • Only some cash ISAs are flexible – meaning you can replace cash withdrawn from them in the same tax year into the same cash ISA without it using up your year's ISA limit. If a cash ISA isn't flexible, all deposits count towards your ISA allowance, irrespective of any withdrawals. We make it clear which cash ISAs are and aren't flexible in our table below.

  • Rates on these accounts are variable, which means they can go up or down. You'll be notified of any change, but you should regularly check the table below for the current top payer. If your account is lagging behind, you may be able to transfer to a new cash ISA, though it works differently to switching a standard savings account...

    If you want to transfer, don't withdraw your cash and transfer it manually. You'll lose all tax benefits if you do. Instead, speak to the new provider and fill in an ISA transfer form. Your new provider will then move the money over for you – keeping your ISA cash permanently tax-free. We make it clear which providers don't allow transfers in our table below.

With easy-access cash ISAs, interest is usually paid into the account either monthly or annually. If you choose an account which pays interest annually, you won't be able to use the interest until the year's up – so there's a long wait. If you'd prefer to use it sooner, for example if you want a monthly income stream from your interest, choose an account which offers a monthly option.

If you'd rather a guaranteed interest rate, you may need to sacrifice this flexibility and lock cash away in a fixed cash ISA.

Easy-access cash ISAs – what we'd go for

Top easy-access cash ISAs currently pay more than top easy-access savings – so they're winners even if you don't need the tax benefits.

We’ve two top picks, depending on whether or not you want unlimited penalty-free withdrawals. The interest rates on both accounts are for newbies only and include bonuses for 12 months, meaning the rates will drop after a year – so if you go for either, diarise to check for a better rate when the year’s up.

  • Trading 212 currently pays the top rate for easy-access ISAs with unlimited withdrawals at 5.03%, plus has the added benefit of being a flexible ISA. However, from 1 March the rate will fall to 4.63% – so you could be better off with one of our other top picks.
     

  • If you know you won't need frequent access to your savings, you can get a smidge more interest with Plum at 5.05%, though here you’re limited to just three penalty-free withdrawals a year.

Prefer a more well-known name? Post Office* pays the top rate at 4.4% and allows unlimited withdrawals.

Top cash ISAs. All  have the full £85,000 savings protection.

Top paying accounts

(In rate order – see what we'd go for)

Top well-known name accounts

(As many tell us you prefer names you know)

Only three penalty-free withdrawals per year, new customers only, lower rate on transfers in

Plum, 5.05% (click for info)

- Min £100

- Open via app

- Interest paid: monthly and annually

- Is not a flexible ISA

 

Includes a fixed 3.15% bonus for 12 months

Post Office*, 4.4%

- Min £100

- Open online 

- Interest paid: annually

- Is not a flexible ISA

New customers only

Trading 212, 5.03% (click for info)
-
Rate falls to 4.63% from 1 March

- Min £1

- Open online or via app

- Interest paid: monthly

- Is a flexible ISA

Includes a fixed 3.15% bonus for 12 months

Bank of Ireland UK, 4.4%

- Min £100

- Open online 

- Interest paid: annually

- Is not a flexible ISA

 

New customers only
Chip, 5.03% for 6mths (click for info)

- Min £1

- Open via app

- Interest paid: monthly

- Is a flexible ISA

 

Includes a fixed 0.49% bonus for 12 months

Marcus (owned by Goldman Sachs)*, 4.3%

- Min £1

- Open online 

- Interest paid: monthly

- Is not a flexible ISA

 

Only three penalty-free withdrawals per year, new customers only

Moneybox, 5% (click for info)

- Rate falls to 4.75% from 3 March

- Min £500

- Open via app

- Interest paid: annually

- Is not a flexible ISA

 

Leeds BS, 4.25% (matures 31 Mar 27)

- Min £1,000

- Open online

- Interest paid: annually

- Is not a flexible ISA

 

Monument, 4.76%

- Min £10,000

- Open via app

- Interest paid: monthly
- No transfers in

- Is a flexible ISA

Only three penalty-free withdrawals per year

Virgin Money, 4.06%

- Min £1

- Open online

- Interest paid: monthly or annually

- Is not a flexible ISA

All rates are AER.

Quick question

  • My building society or bank has a better rate than accounts here. Why isn't it featured?

    MoneySavingExpert.com is a national website serving England, Scotland, Wales and Northern Ireland. So we try to feature accounts open to everyone, which means you need to be able to open them online, by phone or by post.

    Branch-based accounts are more difficult, as unless the account is offered by one of the big banks it's unlikely that everyone will be able to reach a branch. For example, someone in Carlisle couldn't access branch-based accounts offered by Suffolk Building Society as there isn't one close by.

    It's always worth looking at local building societies and banks as they can occasionally have a corking branch-based account. But because we're a nationwide site, we can't feature them all.

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Top fixed-rate cash ISAs

Fixed-rate savings are designed to lock money away for a set period and offer rate security in return. Yet by law, cash ISA providers MUST allow you to access your money. However, some require you to close the account or transfer out to get your cash. And most will levy heavy penalties on withdrawals – anywhere between 60 and 365 days' worth of interest.

If you're opening a fixed cash ISA, you'll usually need to put the amount you're saving in it within two-to-four weeks, though it varies across providers and sometimes they give you longer. So if you want to use up your annual £20,000 ISA allowance each year, you'll need an easy-access ISA or to open additional fixed accounts each tax year.

Already have a fixed-rate ISA? Rates have shot up recently, and, since ISAs let you withdraw early for an interest penalty, it may be better to switch. Use our ISA switching calc to check.

Fixed-rate cash ISAs – what we'd go for

There's currently little difference in rate between the top shorter and longer fixes – so there's not much incentive to lock in for longer, unless you want absolute certainty of returns over a longer period. And remember, if you don't need the tax benefits of an ISA, normal savings pay higher rates.

The top one-year fix is paid by OakNorth Bank at 4.46% (min £1). If you're looking for something longer, Secure Trust Bank pays the top rates for two-year (4.41%), three-year (4.43%) and five-year fixes (4.26%), which can be opened online with £1,000.

Prefer a more well-known name? Tesco Bank pays the top one-year fixed rate at 4.16%, while Leeds Building Society is top for two years at 4.1%. Skipton BS also pays 4.15% for its 18-month fix – a decent middle ground.

Top one-year fixed ISAs

Provider Rate – AER (min deposit) Can I transfer in? Penalty to withdraw? How to open? When can I access interest?
OakNorth Bank 4.46%
(min £1)
Yes 90 days' interest Online/ app At maturity
Secure Trust Bank 4.45%
(min £1,000)
Yes, at application 90 days' interest Online On 31 Dec each year and/or at maturity
Charter Savings Bank 4.42%
(min £5,000)
Yes 90 days' interest Online Monthly or at maturity
Top rates from big names. As we know some prefer to save with bigger brands.
Tesco Bank (1)

4.16%

(min £1)

Yes 90 days' interest Online At maturity
Post Office*

4.15%

(min £500)

Yes 90 days' interest Online At maturity
Bank of Ireland UK

4.15%

(min £500)

Yes 90 days' interest Online At maturity

All have Financial Services Compensation Scheme savings protection of up to £85,000. (1) Tesco Bank now shares FSCS protection with Barclays.

Top two-year fixed ISAs

Provider

Rate – AER (min deposit) Can I transfer in? Penalty to withdraw? How to open? When can I access interest?
Secure Trust Bank 4.41%
(min £1,000)
Yes, at application 180 days' interest Online On 31 Dec each year and/or at maturity
Hodge Bank

4.41%

(min £1,000)

No 180 days' interest Online Monthly, annually or at maturity
Hampshire Trust Bank

4.31%

(min £1)

Yes 180 days' interest Online At maturity
Top rates from big names. As we know some prefer to save with bigger brands.
Skipton BS 4.15% for 18mths
(min £5,000)
Yes 90 days' interest Online/ app/ branch/ post/ phone Monthly, annually or at maturity

Leeds BS

(matures 31 Mar 27)

4.1%

(min £100)

Yes 180 days' interest Online/ post/ branch Annually or at maturity
Nationwide

4%

(min £1)

Yes 120 days' interest Online/ app/ branch

Annually or at maturity

All have Financial Services Compensation Scheme savings protection of up to £85,000.

Top three-year fixed ISAs

Provider Rate – AER (min deposit) Can I transfer in? Penalty to withdraw? How to open? When can I access interest?

Secure Trust Bank

(matures 27 Mar 28)

4.43%

(min £1,000)

Yes, at application 270 days' interest Online On 31 Dec each year and/or at maturity
Hodge Bank

4.41%

(min £1,000)

No 270 days' interest Online Monthly, annually or at maturity
UBL UK

4.41%

(min £2,000)

Yes 270 days' interest Online/ app/ post/ branch Monthly, quarterly, annually or at maturity
Top rate from an established name. As we know some prefer to save with bigger brands.
Skipton BS 4%
(min £500)
Yes 240 days' interest Online/ app/ post/ branch/ phone Monthly, annually or at maturity

Leeds BS

(matures 3 Apr 28)

3.9%

(min £100)

Yes 240 days' interest Online/ post/ branch  Annually or at maturity

All have Financial Services Compensation Scheme savings protection of up to £85,000. (1) Penalty depends on the number of days remaining when you withdraw – full details are in the yellow box on page five of the terms and conditions.

Top five-year fixed ISAs

Provider Rate – AER (min deposit) Can I transfer in? Penalty to withdraw? How to open? When can I access interest?

Secure Trust Bank

(matures 26 Mar 30)

4.26%

(min £1,000)

Yes, at maturity 365 days' interest Online On 31 Dec each year and/or at maturity
Hinckley & Rugby BS 4.25%
(min £500)
Yes 365 days' interest Post/ branch Annually or at maturity
UBL UK

4.23%

(min £2,000)

Yes 365 days' interest Online/ app/ post/ branch Monthly, quarterly, annually or at maturity
Top rate from an established name. As we know some prefer to save with bigger brands.

Leeds BS

(matures 1 Apr 30)

3.75%

(min £100)

Yes 365 days' interest Online/ post/ branch  Annually or at maturity
Halifax

3.7%

(min £500)

Yes 365 days' interest Online/ app/ phone/ branch Monthly, annually or at maturity

All have Financial Services Compensation Scheme savings protection of up to £85,000. (1) Penalty depends on the number of days remaining when you withdraw – full details are in the yellow box on page five of the terms and conditions.

The ISA Savings Calculator

No matter what you're saving for, this calculator can help you work out how much you'll save by a certain date, based on your account's interest rate, how long it'll take you to set aside your target amount, and what you need to put away each month to hit a certain figure. 

When using the calculator, use the AER (annual equivalent rate) for increased accuracy. It should be listed on your statement. As most accounts' interest rates are variable, obviously the answers will change if the rate does, so only use the calculator to get a rough indication of your likely outcome.

The calculator assumes you put money in at the beginning of each month, so if this isn't how you do it, the answers will be ever-so-slightly out. If you don't make regular deposits but put in lump sums, figure out the monthly equivalent for a rough answer. Feel free to play with the results to see how your savings are affected.

Want to complain about your savings provider?

If your savings provider has given you the incorrect interest rate, or you haven't received your interest at all, then you don't have to suffer in silence.

It's always worth trying to call your provider first to see if it can help, but if not, you can use free complaints tool Resolver. The tool helps you manage your complaint, and if the company doesn't play ball, it also helps you escalate your complaint to the free Financial Ombudsman Service.

Cash ISA FAQs

Here are some common ISA-related queries. If you've got a question we've not answered below or in the text above, suggest a question in the MSE Forum.

  • If I open and pay in to an ISA in the current tax year, then the rate drops, can I move it?

    Yes, and you should. You can transfer ISA cash any time, whether that's in full or only part of your balance. It doesn't matter if this is current tax-free subscription or cash from ISAs opened in past years.

  • What happens to a cash ISA if the holder has passed away?

    If you're married or in a civil partnership, if your partner dies you can inherit a one-off extra ISA allowance on top of the annual £20,000, up to the total amount they had saved in ISAs. These are known as 'additional permitted subscriptions' (APS).

    You have a few choices. You can simply keep the ISA with the same provider, move it to a different provider that accepts APS (not all do), or the ISA goes to someone else but you get the extra allowance. To claim your allowance, you'll need to give your partner's full name, address, date of birth and date of death, your marriage/civil partnership certificate and their national insurance number if you know it. Some providers may also require a copy of their death certificate.

    The allowance you'll inherit will depend on when your partner died:

    • Before 6 April 2018. You'll inherit an allowance equivalent to the total value of your partner's ISAs at the date of death.
    • On or after 6 April 2018. You'll inherit an allowance equivalent to the total value of the ISAs once their estate is settled, when their ISAs are closed, or at the third anniversary of their death, whichever is earliest – so any growth in value will be taken into account.

    The inherited allowance is available to make use of for three years after your partner has passed away, or 180 days after the completion of their estate, whichever is later.

    Note that inheriting the allowance is not the same as inheriting the cash in the ISA – your partner could, for example, leave some or all of their ISA money to someone else. You'd still get the extra allowance, but would have to fund it with your own savings.

    If you're not married or in a civil partnership, you won't inherit any extra allowance.

  • Should I use my ISA allowance for cash or stocks & shares?

    This is all about whether you gain more from putting savings into an ISA or using your ISA allowance for investing.

    The gain from putting cash into an ISA is simple – you never get taxed on the interest. But with investing, whether you actually gain from putting it in an ISA depends on your circumstances.

    Are you comfortable with an element of risk? If you invest in a cash ISA, you know that the interest rate you're given is the one you'll get. The nature of stocks & shares ISAs means that you don't have the same guarantee – there's ALWAYS risk involved when investing, as the value of your investments can go down as well as up, depending on how well your funds, bonds and shares do.

    Are you eligible for capital gains? Stocks & shares ISAs exempt you from capital gains tax (a tax on profits that you only pay when you sell an asset, such as your investments). Yet for 2024/25, you can make £3,000 a year of profits before being hit by this tax, so this protection only helps those who are selling sizeable assets within one tax year – otherwise it's irrelevant.

    Will you put money into bonds? If you're investing in bonds such as corporate bonds or gilts (government bonds), you get the income without it being taxed. For other bonds, a stocks & shares ISA will shelter the income from tax.

    Will you get an income? If you receive an income from dividends, you pay no tax on the first £500 earned. Anything over that is taxed at 8.75% for basic, 33.75% for higher, and a whopping 39.38% for additional-rate taxpayers. Within a stocks & shares ISA, you pay no tax on dividend income, regardless of your tax status. So if you earn more than your allowance, it can represent a significant saving.

    If you pay tax on savings interest, you'd need to do a comparison between the amount of tax you'd get charged on savings outside a cash ISA and the amount of tax on any investments held outside a stocks & shares ISA. If you're unsure, you could always stick to the previous ISA situation where you could only split your allowance between cash and investments 50/50.

    Small investors who won't use their capital gains and are putting cash in shares investments will gain more using their cash ISAs to the limit, then putting the rest in shares. Big investors, especially those putting money in bonds, should max out their stocks & shares ISAs. Read our Stocks & shares ISA guide for more information.

  • Can I swap between stocks & shares, innovative finance and cash ISAs?

    Yes, you can – and vice versa.

    You can transfer your money to a cash ISA from a stocks & shares ISA and back again as many times as you like, giving you more flexibility in managing your tax-free savings. This is also the case for innovative finance ISAs, providing it allows you access to your cash – the higher rates are for longer fixed terms.

    Check that your intended provider accepts transfers – some don't. And also watch out for fees on stocks & shares ISAs and innovative finance ISAs. You may be charged to set up the ISA or to leave it, so multiple transfers may lose you money.

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