Compare our best instant access cash ISA rates
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The FSCS guarantees that the first £85,000 you have saved with a registered bank or building society will be safe even if the business goes bust. However, we can't guarantee that all non-affiliated products on our panel are covered by the FSCS.
16 results found, sorted by highest interest rate. We always order products with our partners first and we may receive a small commission if you click on the deal and then purchase it. Find out how we order our comparisons.
Chip Clearbank - Cash ISA
Term
Instant access
Open with
£1
Interest rate
4.7% AER BBR tracker inc. 1.66% fixed bonus for 3 months
Protection scheme
FSCS
ISA transfers in
Accepted
Only bank accounts from certain providers will work with the Chip App. This savings product is only for Chip users.
No notice, penalty, or charge applies.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 3% | 4.6% | 3.04% | 4.7% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Best underlying interest rate - no introductory bonus or withdrawal penalties
Tembo Easy Access Cash ISA
Term
Easy access
Open with
£10
Interest rate
4.64% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
No introductory rates or withdrawal penalty charges apply. Tembo savings account holders get free access to the award-winning Tembo mortgage advice service, saving up to £749 fee – subject to holding a minimum balance for 3 months prior to home purchase or remortgage.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £10 | 4.536% | 4.536% | 4.64% | 4.64% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £10 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Which? Recommended Provider Savings Accounts November 2024
Moneybox Cash ISA
Term
Easy access
Open with
£500
Interest rate
4.45% AER variable inc. 0.5% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
Which? Recommended Provider Savings Accounts November 2024. Offer limited to first 15,000 eligible customers and funds must be held in account until 31 January 2026. Cashback based on transfer value. Offer T&Cs apply. ISA and tax rules apply.
Rate drops to 3.95% after first 12 months. ISA & tax rules apply. A lower interest rate of 0.75% AER (variable) applies whenever your account balance is less than £500. It also applies for the rest of your current 12-month period from your fourth withdrawal. The number of withdrawals permitted will reset on the anniversary of the account opening date
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £500 | 3.88% | 4.36% | 3.95% | 4.45% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Plum Cash ISA
Term
Easy access
Open with
Any amount
Interest rate
4.41% AER variable on £100+ inc. 1.37% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
Rate includes a Plum bonus of 1.47% AER (variable) if kept for 12 consecutive months and is for new customers only. The interest rate for ISA transfers is 3.29% AER (variable). Interest on our Cash ISA varies. This is the rate from 24/07/25. ISA rules and T&Cs apply. Plum is not a bank.
Tax treatment depends on your personal circumstances and is subject to change
If more than 3 withdrawals are made in the initial 12 month period, the rate payable will drop to a lower rate from the date of the 4th withdrawal. If a withdrawal is made mid-month, no interest will be paid for that month.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 3.04% | 3.04% | 3.04% | 3.04% |
| £100 | 3.04% | 4.41% | 3.04% | 4.41% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Age | 18 years |
| Permanent UK Resident |
Aldermore Reward ISA Single Access Account Issue 3
Term
Easy access
Open with
£100
Interest rate
4.4% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
If 2 or more withdrawals are made then the bonus reduces for the rest of the anniversary year and will reset on the anniversary of account opening.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £100 | 2.9% | 4.4% | 2.9% | 4.4% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £100 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Which? Recommended Provider Savings Accounts November 2024
Moneybox Open Access Cash ISA
Term
Instant access
Open with
£500
Interest rate
4.25% AER variable inc. 0.5% fixed bonus for 12 months
Protection scheme
FSCS
ISA transfers in
Accepted
Which? Recommended Provider Savings Accounts November 2024. ISA and tax rules apply.
Rate drops to 3.75% after first 12 months. ISA & tax rules apply. A lower interest rate of 0.75% AER (variable) applies whenever your account balance is less than £500.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £500 | 3.69% | 4.17% | 3.75% | 4.25% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £500 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Hargreaves Lansdown Active Savings Atom Bank - Easy Access ISA
Term
Instant access
Open with
£1
Interest rate
4.2% AER variable
Protection scheme
FSCS
ISA transfers in
Not accepted
No notice, penalty, or charge applies.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 4.12% | 4.12% | 4.2% | 4.2% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Aldermore Reward ISA Double Access (Issue 3)
Term
Easy access
Open with
£100
Interest rate
4.2% AER variable
Protection scheme
FSCS
ISA transfers in
Accepted
If 3 or more withdrawals are made then the bonus reduces for the rest of the anniversary year and will reset on the anniversary of account opening.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £100 | 2.9% | 4.2% | 2.9% | 4.2% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £100 |
| Minimum Age | 18 years |
| Permanent UK Resident |
Hargreaves Lansdown Active Savings UBL UK - Easy Access ISA
Term
Instant access
Open with
£1
Interest rate
4.18% AER variable
Protection scheme
FSCS
ISA transfers in
Not accepted
No notice, penalty, or charge applies.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 4.1% | 4.1% | 4.18% | 4.18% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |
Hargreaves Lansdown Active Savings Monument - Easy Access ISA
Term
Instant access
Open with
£1
Interest rate
4% AER variable
Protection scheme
FSCS
ISA transfers in
Not accepted
No notice, penalty, or charge applies.
More Information
Rate Tiers
| Gross rate | Gross rate | AER rate | AER rate | |
|---|---|---|---|---|
| Excluding bonus | Including bonus | Excluding bonus | Including bonus | |
| £1 | 3.93% | 3.93% | 4% | 4% |
Eligibility
| Maximum Age | Unlimited |
| Minimum Initial Deposit | £1 |
| Minimum Age | 18 years |
| Minimum Monthly Investment | £1 |
| Permanent UK Resident |