Compare the best easy-access ISAs UK 2024

Discover what an easy-access ISA is and how to find the best account with rates up to 5.1%.

As well as not requiring you to pay any tax on interest earned, an easy-access ISA doesn’t impose any limitations on how and when you can withdraw the money you’ve saved up. This guide will help you compare what accounts are out there to find the best easy-access ISA for you.

FSCS logo
Is my money safe?

The Financial Services Compensation Scheme (FSCS) guarantees that it will step in to compensate the first £85,000 (£170,000 for a joint account) you have saved with a UK-authorised bank, building society or credit union in the event that the business goes bust.

Best easy-access ISA rates

Table: sorted by interest rate, promoted deals first
1 - 10 of 189
Name Product Account type Withdrawals Open with Deposit protection Interest rate Open via Incentive Table product description Apply link
Chip – Chip Cash ISA (powered by ClearBank)
Cash ISA
Instant access
£1 - £85,000
FSCS logo
protected
5.1% AER variable
Open via: mobile app
Go to site
View details
Kent Reliance – Cash ISA - Easy Access - Issue 50
Cash ISA
Instant access
From £1,000
FSCS logo
protected
4.86% AER variable
Open via: branch, website
Go to site
View details
Kent Reliance – Cash ISA - Easy Access - Issue 50
Cash ISA
Instant access
From £1,000
FSCS logo
protected
4.86% AER variable
Open via: branch, website
Go to site
View details
Moneybox – Moneybox Cash ISA
Cash ISA
Instant access
From £500
FSCS logo
protected
4.75% AER variable (includes a 0.5% bonus )
Open via: mobile app
Go to site
View details
Aldermore – Easy Access Cash ISA Issue 1
Cash ISA
Instant access
From £1,000
FSCS logo
protected
4.25% AER variable
Open via: website
Go to site
View details
Aldermore – Easy Access Cash ISA Issue 1
Cash ISA
Instant access
From £1,000
FSCS logo
protected
4.25% AER variable
Open via: website
Go to site
View details
Plum – Plum Cash ISA
Cash ISA
Instant access
From £1
FSCS logo
protected
3% AER variable
Open via: mobile app
Go to site
View details
Plum – Plum Cash ISA
Cash ISA
Instant access
From £1
FSCS logo
protected
5.17% AER variable (on balance over £100) (includes a 0.86% bonus )
Open via: mobile app
Go to site
View details
Moneybox – Moneybox Cash ISA
Cash ISA
Instant access
From £500
FSCS logo
protected
0.75% AER variable
Open via: mobile app
Go to site
View details
Zopa – Smart ISA - Access ISA pot
Cash ISA
Instant access
From £1
FSCS logo
protected
5.08% AER variable (includes a 0.5% bonus )
Open via: mobile app
Go to site
View details
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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

An overview of our easy-access ISA comparison

Rates up to 5.1% AER
Number of accounts 189
Number of brands 80
Minimum investment £0
Maximum investment £150,000
Opening options Mobile app, branch, website, post, telephone

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.

Frequently asked questions

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Written by

Matthew Boyle

Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full profile

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