Compare The Best Cash ISA Rates

  • Fixed & variable rate cash ISAs from UK banks & providers
  • Comparison of AER interest rates & notice periods
  • Open an Individual Savings Account (ISA) online
Ford Money Fixed Saver 1 Year Ford Money
AER Interest Rate:
2.00%
(fixed)
Minimum Deposit:
£500
Minimum deposit £500, maximum balance £2,000,000. 14 day cooling off period: after this, your money is locked away for the term

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ISA AccountAER Interest RateMin. Opening DepositNotice PeriodFeatures
AA 1 or 2 Year Fixed Rate ISA

If you don't need access to your money for 1 or 2 years, enjoy peace of mind with a fixed tax-free rate.
1.36% to 1.51%£500Transfer out the full amount only – no partial transfers. Breakage charge applies.

  • Interest calculated daily and paid annually

  • One deposit per product but you can have as many fixed rate products as you want

  • Transfer in ISAs held elsewhere

  • Manage your account online 24/7

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AA Easy Access ISA

Tax-free Easy Access product, includes a fixed bonus for the 1st year.
1.16%
(variable rate)
£100Instant

  • Interest calculated daily and paid to you in March

  • Transfer in ISAs held elsewhere

  • Rate includes a fixed bonus of 0.96% tax-free for 12 months from account opening

  • Manage your account online 24/7

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Barclays Bank 2-Year Flexible Cash ISA

Tax-free savings with some access.
1.05%£1Up to 3 withdrawals free of charge

  • Earn a fixed rate on your money

  • 3 free withdrawals - each up to 10% of balance

  • Access online, Barclays Mobile app, branch & phone

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Barclays Bank 2-Year Premier Flexible Cash ISA

Exclusively for Premier customers
1.20%£1Up to 3 withdrawals free of charge

  • Must be a Premier customer aged 18 or above

  • Earn a fixed rate on your money

  • 3 free withdrawals - each up to 10% of balance

  • Access online, Barclays Mobile app, branch & phone

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Barclays Bank Instant Cash ISA

Tax-free savings, with instant access to your money.
0.60% to 0.75%
(variable rate)
£1Instant

  • Tiered, variable interest rates

  • Transfer-in an existing ISA in just 3 steps

  • Access online, Barclays Mobile app, branch & phone

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Ford Money Fixed Cash ISA 1 Year

A tax-free ISA that lets you treat yourself.
1.45%£500Early withdrawals, transfers-out
and closure are subject to a
term breakage charge.

  • Our Best Rate Guarantee

  • Transfers in accepted

  • £500 to £2 million

  • Interest can be paid monthly or annually

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Ford Money Fixed Cash ISA 2 Year

A tax-free ISA that lets you treat yourself.
1.65%£500Early withdrawals, transfers-out
and closure are subject to a
term breakage charge.

  • Our Best Rate Guarantee

  • Transfers in accepted

  • £500 to £2 million

  • Interest can be paid monthly or annually

See Deal
Ford Money Flexible Cash ISA

A tax-free shortcut to your dreams.
1.17%
(variable rate)
£1Instant

  • Our Best Rate Guarantee

  • Transfers in accepted

  • £1 to £2 million

  • Interest can be paid monthly or annually

See Deal
HSBC Loyalty Cash ISA

Plan for the future, free from UK income tax.
0.65% to 0.85%
(variable rate)
£1Instant

  • Get Loyalty rate for 12 months from the date of each payment into your ISA

  • Available to HSBC Current Account customers only

  • In support of the government's Help to Buy

  • Access online, via mobile app, branch, phone & post

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Lloyds Bank 2 Year Fixed Rate Cash ISA

Individual Savings Account (ISA) that pays you tax free interest at a fixed rate if you put away your money for the two year term.
0.65%£3,000Withdrawal charges apply

  • Fixed interest rate gives peace of mind

  • Choose to have interest paid monthly or annually

  • Access online, branch & phone

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Lloyds Bank Cash ISA Saver

An instant access Individual Savings Account (ISA) that pays you tax free interest at a variable rate
0.35%
(variable rate)
£1Instant

  • Unlimited withdrawals

  • This is a flexible ISA, so if you make a withdrawal, you can pay that money back in to this account before the end of the tax year and not affect the amount you can save in your cash ISA tax free.

  • Access online, branch & phone

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Nationwide Fixed Rate ISA

Put away a lump sum. Get a tax-free, fixed interest rate.
0.75% to 1.75%£1If you want your money before the term ends, a charge will apply.

  • Lock away your money for a fixed term with a fixed interest rate

  • No withdrawals or additions during term

  • Transfer existing ISA funds in

  • Open and manage online or in branch

See Deal
Aldermore Fixed Rate Cash ISA - 1 Year

Let’s get earning and protect your savings from the taxman.
1.50%£1,000Instant
Subject to a deduction of interest

  • Peace of mind – our Fixed Rate Cash ISAs have a fixed interest rate for a set period

  • Our competitive rates are not artificially inflated by bonuses or introductory offers

  • Fast and easy set up

  • Easily transfer ISAs from other providers

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Aldermore Fixed Rate Cash ISA - 2 Year

Let’s get earning and protect your savings from the taxman.
1.80%£1,000Instant
Subject to a deduction of interest

  • Peace of mind – our Fixed Rate Cash ISAs have a fixed interest rate for a set period

  • Our competitive rates are not artificially inflated by bonuses or introductory offers

  • Fast and easy set up

  • Easily transfer ISAs from other providers

See Deal
Aldermore Fixed Rate Cash ISA - 3 Year

Let’s get earning and protect your savings from the taxman.
1.90%£1,000Instant
Subject to a deduction of interest

  • Peace of mind – our Fixed Rate Cash ISAs have a fixed interest rate for a set period

  • Our competitive rates are not artificially inflated by bonuses or introductory offers

  • Fast and easy set up

  • Easily transfer ISAs from other providers

See Deal
Aldermore Notice Cash ISA

With our Notice Cash ISA you can protect your savings from the taxman while building up your nest egg.
1.30%
(variable rate)
£1,000Make unlimited withdrawals either by giving 30 days’ notice or without giving notice where a deduction of interest equivalent to the notice period will apply.

  • Maximise your ISA allowance – split your ISA allowance between any of our Cash ISA products

  • Easily transfer ISAs from other providers

  • Want to check your account details and rates? Just login whenever you like

  • Fast and easy set up

See Deal

Cash ISA Accounts

What is a cash ISA?

An Individual Savings Account or ISA for short, is an investment product offered in the UK by regulated financial institutions such as banks and building societies.

A cash ISA is effectively the same as a regular savings account except that the interest earned on the money is tax-free. To open a cash ISA you need to be at least 16 years of age.

There are limits on how much you can deposit into the product in any single tax year (6 April to 5 April), which are determined by the UK government. For the current 2018/19 tax year, that amount is £20,000 in any one type of ISA account.

Cash ISA considerations

It’s important to compare as many ISA products as possible in order to find one that suits your requirements. Here are some of the main factors to consider:

Interest Rate

The interest rate applied to your ISA savings will determine the amount of money you can earn over the period and you should look for those that offer the highest one. ISA Interest rates will either be variable or fixed.

What is a Variable Rate ISA?

A variable rate means that the company offering the product may change the rate up or down during the 12 months. Often this rate change is triggered by a change in the Bank of England base rate. However, you should always check the terms & conditions with the provider as to their policy regarding rate changes.

Some accounts also operate tiered variable rates based on the level of your balance with higher rates applied when your savings reach a certain amount.

What is a Fixed Rate ISA?

A fixed rate of interest means that you will always get the same rate throughout the period on your ISA savings. Products offering fixed rates on Cash ISAs will often be for a set period of time, usually 1 or 2 years.

Some people like the idea of fixed rates as it gives them peace of mind in knowing that they will get always get the same rate on their savings and can more easily predict the amount they will earn in interest, regardless of potential interest rate changes in the overall economy.

There are certain cash ISA accounts that offer bonus or loyalty rates. These are often tied to already having a current account or other product with the provider

Notice period

Always check what the restrictions are regarding getting access to your money. Whilst many accounts will offer instant access to your funds, some products may either limit the number of withdrawals you can make or prevent you from making any withdrawals, except to close your account.

You should also take note of any charges that may be incurred for withdrawing money from your ISA cash account together with any early closure fees.

Minimum opening deposit

Most cash ISAs enable you to open an account with just £1 but some fixed rate accounts may require a much higher initial deposit in the hundreds or even thousands of pounds.

Access and management of your account

In addition to the normal in-branch and over the telephone account management services, the vast majority of cash ISAs can now be accessed via online or through mobile banking using the provider’s own app.

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