{"id":17515,"date":"2017-05-12T09:39:49","date_gmt":"2017-05-12T08:39:49","guid":{"rendered":"http:\/\/www.finder.com\/uk\/?page_id=17515"},"modified":"2026-02-10T14:47:27","modified_gmt":"2026-02-10T14:47:27","slug":"cash-isas","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/cash-isas","title":{"rendered":"Best cash ISA rates UK 2026"},"content":{"rendered":"<div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">Be first to know about new deals<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, tips and a chance to <strong>win \u00a3400!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" placeholder=\"Enter your email\" name=\"email\" data-prefill=\"me.notes.createAccountEmail\">\n                            <button class=\"email-btn\">\n                                <span class=\"btn-text\">Sign up<\/span>\n                                <span class=\"loading-spinner\"><\/span>\n                            <\/button>\n                        <\/div>\n                        <p class=\"error-msg\"><span class=\"error-msg-text\">Error placeholder<\/span> <span class=\"error-msg-sign-in\"> Click <a class=\"error-msg-sign-in-link\" href=\"https:\/\/www.finder.com\/uk\/user-profile\/sign-in?returnTo=https%3A%2F%2Fwww.finder.com%2Fuk%2Fuk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F17515\">here<\/a> to sign in<\/span><\/p>\n                    <\/div>\n                    <div class=\"links\">\n                                                    <a href=\"https:\/\/finder.com\/uk\/about-us\/competition-winners\">Winners<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\">Emails<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\">Unsubscribe<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">Privacy<\/a>                                             <\/div>\n                <\/div>\n            <\/div>\n                <div class=\"hide-btn\">\n            Hide\n            <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\">\n                <use xlink:href=\"#chevron-down\"><\/use>\n            <\/svg>\n        <\/div>\n    <\/div>\n<\/div>\n\n<h3>What is a cash ISA?<\/h3><p>ISA stands for individual savings account. While there are several different types of ISA, the cash version is a savings account where you don\u2019t pay tax on the interest you earn. It\u2019s that simple! Everything you can do with a normal savings account you can do with a cash ISA. The tax-free bit is the only real difference.<\/p><p>With normal savings accounts, you get taxed on interest you earn beyond your annual <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/cash-isas#allowance\">personal savings allowance<\/a>. But a cash ISA lets you keep 100% of the interest.<\/p><p>One other difference to consider is that the top rates on standard savings accounts tend to be a bit higher than cash ISA rates. But the tax-free perks of an ISA might outweigh the extra interest you could earn (and potentially be taxed on) from a normal account.<\/p><h3>Who can open an ISA?<\/h3><p>Any person over 18 in the UK can open and put \u00a320,000 into a cash ISA each tax year. Once your money is in a cash ISA, it remains tax-free every year. <\/p><p>Note that from April 2027, you will only be able to pay \u00a312,000 of your overall \u00a320,000 ISA allowance into a cash ISA each tax year. <\/p><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"MZ_MqfhNMuY\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/MZ_MqfhNMuY\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/MZ_MqfhNMuY\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/MZ_MqfhNMuY\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">4:18<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-MZ_MqfhNMuY\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3 id=\"bestisa\">What\u2019s the \u201cbest\u201d ISA?<\/h3><p>Generally, the best ISA has the highest interest rate. However, there are different types of cash ISAs, and the best one for you will depend on whether you need quick access to your money or not:<\/p><ul><li>If you want to be able to withdraw your money quickly, you should opt for an easy access cash ISA.<\/li><li>If you\u2019re happy to lock your money away for a year or more in return for a better rate, then a <a href=\"https:\/\/www.finder.com\/uk\/best-fixed-rate-cash-isa\">fixed rate cash ISA<\/a> might be more up your street.<\/li><li>If you\u2019re happy to put money aside for a long time and are willing to take the risks that come with investing, then check out <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISAs<\/a>.<\/li><\/ul><p>But it also doesn\u2019t have to be a choice between one or the other, especially after the rules changed in April 2024 so that you can now open multiple cash ISAs in a year.<\/p><p>Another thing to consider is when the interest is paid: most pay annually but some pay monthly which might be a deciding factor when you\u2019re shopping around. <\/p><h4>Is my money safe in a cash ISA?<\/h4><p>Most cash ISAs are protected by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme (FSCS)<\/a>, which means all deposits up to \u00a3120,000 per person per provider are guaranteed by the government if the provider were to go bust.<\/p><h3>How many people have an ISA?<\/h3><p>4.1 million stocks and shares ISAs and 9.9 million cash ISAs were subscribed to in the 2023\/24 financial year, according to the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/stocks-and-shares-isa-statistics\">latest data<\/a>. A 2025 Finder survey revealed that 3 in 10 Brits (29%) have at least one cash ISA.<\/p><p>In 2016, the popularity of ISAs took a knock, and the number of people opening one dropped. That was at least in part due to the personal savings allowance. When savings rates don\u2019t keep pace with inflation, that can also deter people from saving.<\/p><h4 id=\"allowance\">Personal savings allowance<\/h4><p>Thanks to a rule change in April 2016, every year basic-rate taxpayers don\u2019t have to pay any tax on the first \u00a31,000 of interest earned in banks or building societies. This is known as the personal savings allowance (PSA), and it has encroached on what used to be the territory of the cash ISA.<\/p><p>Higher-rate taxpayers have a lower annual limit of \u00a3500, while additional taxpayers are not to entitled to any allowance at all.<\/p><p>However, since savings rates started to tick up again, the likelihood of exceeding your PSA has also increased, making cash ISAs an important part of your overall  savings plan.<\/p><h4>ISAs vs inflation<\/h4><p>You\u2019d be hard-pressed to find any cash ISAs that can beat inflation. During any period of high inflation, it\u2019s incredibly difficult to protect your nest egg, as inflation erodes the value of your savings.<\/p><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">How are inflation and interest rates linked?<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p>Generally speaking, when interest rates are lower than inflation, people tend to save less and borrow and spend more. Let\u2019s clarify this with an example:<\/p><p>Let\u2019s say inflation is running at 5%. This means a basket of shopping that costs \u00a3100 now will cost \u00a3105 in a year\u2019s time.<\/p><p>Now, imagine you\u2019ve also got \u00a3100 in a cash ISA paying 2%. That \u00a3100 will be only \u00a3102 next year, so your savings aren\u2019t keeping up with the pace of inflation.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n<h4>How do I transfer a cash ISA?<\/h4><p>If you want to move your cash ISA to a new provider, you need to get in touch with the company you would like to move to and fill in a transfer form. It will then contact your old provider and manage the transfer on your behalf. Cash ISA transfers should take no longer than 15 days. <\/p><p>It\u2019s important to let your provider manage the transfer rather than withdrawing the money and moving it yourself. If the ISA funds are transferred then they will retain their tax-free benefits. Transfers don\u2019t count towards your ISA allowance either.<\/p><p>Bear in mind that some providers have restrictions on transfers, so make sure you read the small print.<\/p><h3>Are ISAs worth it?<\/h3><p>Even though you can typically find better rates in different savings accounts and current accounts, ISAs still have their benefits.<\/p><ul class=\"list-1\"><li><strong>ISA interest doesn\u2019t count towards your PSA.<\/strong> You can make interest in your ISA and still get up to \u00a31,000 of tax-free savings through your PSA.<\/li><li><strong>ISAs give protection against future interest rate changes.<\/strong> If interest rates rise, people will have to pay more tax (in other savings accounts that aren\u2019t tax-free). An ISA offers protection against this.<\/li><li><strong>Protects savings if you move up a tax bracket.<\/strong> Having a cash ISA would ring-fence your savings if you expect you might have to pay more tax in the not-too-distant future.<\/li><li><strong>Save into multiple cash ISAs.<\/strong> The ISA rules changed in April 2024 so that you can now save \u201cnew\u201d money into more than one cash ISA in a tax year.<\/li><\/ul><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Cash ISAs tend to pay lower rates compared to standard savings accounts, but if you\u2019ve got a lot of savings, they might end up saving you money in tax.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Katherine Denham, award-winning personal finance expert<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>Which are the best cash ISAs at the moment?<\/h3><p>Our best 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\u2019t include accounts from private banks.<\/p><p>All the cash ISAs in our list have savings protection \u2013 for most, this is the Financial Services Compensation Scheme (FSCS). Other schemes include that of NS&amp;I, which is 100% backed by HM Treasury, and the Gibraltar Deposit Guarantee Scheme.<\/p>    <ul>\n                              <li>Meteor Savings AlRayan Bank - 2 Year Fixed Term Deposit ISA - <strong>4.65%<\/strong><\/li>\n                                      <li>Meteor Savings AlRayan Bank - 1-Year Fixed Term Deposit ISA - <strong>4.65%<\/strong><\/li>\n                                      <li>Marsden Fixed Rate Cash ISA (Issue 313) - <strong>4.61%<\/strong><\/li>\n                                      <li>Nationwide Building Society 3 Year Fixed Rate Cash ISA - <strong>4.6%<\/strong><\/li>\n                                      <li>Marsden Fixed Rate Cash ISA (Issue 313) Monthly - <strong>4.6%<\/strong><\/li>\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          <\/ul>\n<h3>An overview of our cash ISA comparison<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n719\n<\/td>\n<\/tr>\n<tr>\n<th>Cash ISA types include<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nEasy access, fixed-rate, notice<\/td>\n<\/tr>\n<tr>\n<th>Best easy access cash ISA rate<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n4.52%\n<\/td>\n<\/tr>\n<tr>\n<th>Best fixed-rate cash ISA rate<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n8%\n<\/td>\n<\/tr>\n<tr>\n<th>Fixed-rate cash ISA terms<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n  3 months - 7 years <\/td>\n<\/tr>\n<tr>\n<th>Best notice cash ISA rate<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n8%\n<\/td>\n<\/tr>\n<tr>\n<th>Minimum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a30\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a310,000,000\n<\/td>\n<\/tr>\n<tr>\n<th>Opening options<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nBranch, website, mobile app, post, telephone<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 id=\"bestisa\">Bottom line<\/h3><p>Saving is always a wise idea, but not having to worry about paying tax on the interest you earn can certainly give cash ISAs the edge over standard savings accounts. <\/p><p>Choice isn\u2019t limited as there are plenty of cash ISAs to choose from, from easy-access to fixed-rate accounts. Plus, savers have now been given the freedom to save into multiple cash ISAs in a year, so you can mix and match rather than choosing between them.<\/p><p>But if you\u2019ve got a long-term goal and are happy tying up your money for at least 5 years, you might want to take a punt on a <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-stocks-and-shares-isa\">stocks and shares ISA, with the risk that goes with that<\/a>.<\/p><p>It\u2019s definitely worth looking at <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/savings-accounts-vs-cash-isas\">other savings options<\/a> as well before you decide where to put your money away.<\/p><p>And before you open an account, take a look at the bank\u2019s reviews \u2014 a high interest rate is all well and good but if the company\u2019s customer service is poor then you might want to give it a wide berth.<\/p><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>A cash ISA is a savings account where you never pay tax on the interest. Use our comparison table to find the best ISA rates &#8211; whether you want to lock cash in for a set time or keep it easy access.<\/p>\n","protected":false},"author":577,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[1181],"tags":[],"asset_tag":[],"class_list":["post-17515","post","type-post","status-publish","format-standard","hentry","category-savings-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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