We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.
Compare the best easy-access ISAs
Discover what is an easy-access ISA, how to find the best one and more.
Best easy-access ISA rates
Table: sorted by interest rate, promoted deals first
What's in this guide?
What is an easy-access ISA?
An ISA is a savings account in which you won’t have to pay tax on any interest you earn. There is an annual cap on the amount of funds you can deposit into an ISA.
In an “easy-access” ISA, there are no (or barely any) hurdles to jump to withdraw your funds.
There are plenty of “instant-access” ISAs available, which allow you to withdraw your funds without giving any notice. There are also some accounts which require you to give up to 90 days’ notice that may still be labelled as “easy access”.
What are the benefits?
The main benefit is that you can earn tax-free interest on your savings, but still withdraw them with no troubles, perhaps to take care of an emergency payment.
What are the differences between easy-access and other cash ISAs?
Fixed-rate cash ISAs tend to offer higher interest rates, fixed for a defined amount of time. However, you can’t withdraw your cash during this fixed-rate period. Some fixed-rate ISAs will still allow you to withdraw your funds if you pay a penalty.
How to find the best easy-access ISA
The only important factor separating the best easy-access ISA from the rest is the interest rate being offered. You can quickly find the easy-access ISAs offering the best rate using any price comparison website.
Pros and cons of an easy-access ISA
Pros
- You’ll earn tax-free interest on your savings
- You can withdraw your funds instantly
Cons
- Easy-access ISAs offer lower interest rates compared to fixed-rate ISAs
- There is a limit on the amount you can deposit per tax year
The bottom line
If you need easy access to your savings but still want to earn some interest while your funds are stored away, easy-access ISAs are a great shout for you.
More guides on Finder
-
How to set up a holding company
Discover what a holding company is, how to set one up and whether it’s worth doing.
-
How to set up a limited company
Discover what a limited company is, how to set one up and whether you should bother doing it at all.
-
Compare business bank accounts
Discover what business bank accounts offer and how to compare them to find the best account for you.
-
What is Yearn Finance?
Learn how to use DeFi aggregator Yearn Finance to earn interest on your cryptocurrency.
-
Current accounts with cashback
Learn how current accounts with cashback work, whether they’re right for you and how to find the best current account.
-
Sole trader loans
Find out how to get a loan if you work for yourself, including which lenders offer business loans for sole traders.
-
Compare current accounts with rewards
Discover how current accounts with rewards work, and how to choose the best one for you.
-
Best shares to buy now
We’ve compiled the top trending stocks from leading investment platforms to see which stocks people are buying today.
-
Fix and flip
Read our in-depth guide to fix and flip and how this type of property investment works, including the factors you need to consider, the risks to be aware of and how to finance it.
-
Commercial bridging loan
Everything you need to know about commercial bridging loans. We look at when they’re useful, how they work and what to be aware of before taking one out.
Ask an Expert