Notice ISAs are a way to make sure your savings are safely tucked away in a tax wrapper, but give you the middle ground between instant access and a fixed-rate ISA. While you may not be able to dip in and out of a notice ISA, you can secure yourself a higher interest rate but still access your money as long as you give your bank the required heads up!
The Financial Services Compensation Scheme (FSCS) guarantees that it will step in to compensate the first £120,000 you have saved with a UK-authorised bank, building society or credit union in the event that the business goes bust.
We currently don't have that product, but here are others to consider:
How we picked these
| Rates up to | 4.1% AER |
|---|---|
| Number of accounts | 47 |
| Notice account periods available | 14 days - 180 days |
| Minimum investment | £1 |
| Maximum investment | £2,000,000 |
| Opening options | Branch, website, mobile app, post, telephone |
Notice cash ISAs are a type of cash ISA that is a halfway house between an instant access ISA and a fixed-rate ISA. They allow you to withdraw your money whenever you need it, as long as you give adequate notice to your bank.
The ISA part is that you don’t pay tax on the interest you earn. ISAs work the same way as a normal savings account; the tax-free bit is the only difference.
Notice ISAs are similar to instant access ISAs, but you’ll need to check out the terms and conditions before applying, because the notice period makes it slightly more complex:
The main difference between notice ISAs and other types of ISAs is the notice period needed to make withdrawals. The notice period means that while you still have access to your money, it’s not instant, and there are potential penalty fees for withdrawing funds before the end of the notice period. They can vary hugely, typically between 30 and 90 days. However, the longer the notice required, the higher the interest rate is likely to be.
Notice ISAs are typically suited to savers who are looking to protect their interest earnings from the taxman, but may be unsure of their medium-to-long-term plans.
As notice ISAs aren’t easy access, they’re not really suitable for your emergency fund. If you already have a home for savings to cover the unexpected, but think you may need to pay the deposit for a house or buy a new car in the next 12 months, notice accounts can be a good option.
They’re also a good idea if you think you may want to make extra deposits into your account, as fixed-rate ISAs don’t allow that after the first week or so from account opening.
Our best notice cash ISAs are the highest interest rates available. To get the latest rates, we use Defaqto data, which covers nearly the full market of savings products and is checked and updated daily. We don’t include accounts from private banks.
All the notice cash ISAs in our list have savings protection – for most, this is the Financial Services Compensation Scheme (FSCS).
The only difference between a notice ISA and a notice savings account is the fact that you won’t have to pay tax on the interest you earn in your ISA.
With a notice savings account, you get taxed on the interest you earn beyond your annual personal savings allowance. Whereas, a notice cash ISA lets you keep 100% of the interest. However, there is a maximum amount of money you can deposit into a cash ISA per tax year. For the 2025/2026 tax-year (which ends at midnight on 5 April), the maximum allowance is £20,000.
"Notice ISAs are a bit of a weird one and can get lost among the other types of ISAs. For most savers, who want easy access to their money, even the minimum of 30 days is just too long to wait. Then, for those who want to earn high interest, they don’t offer the same rates as a fixed-rate bond. There are also not as many on the market, so the pickings are slim.
However, they can serve a purpose if you want to protect your interest from tax and have no immediate plans for your money. Just remember to always shop around to get the highest rate available and read through the terms and conditions, so you don’t get penalised."
If you don’t think that a notice cash ISA is for you, then you could consider an easy access cash ISA or a fixed-rate cash ISA. The former lets you dip into your savings whenever you need, while the latter locks your money away for a period of time but gives you a fixed rate of interest.
It’s also worth considering a stocks and shares ISA for longer-term wealth building. This type of ISA holds your investments and shields them from UK taxes.
Any type of ISA is a good place to shield your money from the taxman. In terms of whether or not to consider a notice ISA, that will depend on your plans for your savings. They can be a good short-term solution while you consider what to use your savings for, and once your other needs, like an emergency savings fund, have been met.
Notice ISAs give you more flexibility in how many deposits you can make compared to a fixed-rate ISA, but rates can be variable. If you have longer-term savings goals and can afford to lock your money, then a fixed-rate ISA will give you a consistent rate for a set period of time.
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