Best cash ISAs
The Chip Cash ISA is fully flexible and allows you to withdraw when it suits you. You can deposit from £1 as often as you like and manage your Chip Cash...
United Trust Bank offer a range of cash ISAs. Accounts have fixed interest rates from one year to seven years. You can apply for and manage a United Trust cash ISA...
Voting in the Insurance choice awards is open - Vote here
Voting in the Insurance choice awards is open - Vote here
What is this award?
The Best banking app 2026 award is part of the British bank awards. Measured by consumer feedback that recognise businesses that are doing brilliant things for financial services customers.
This company has won:
- Best banking app 2026
- Best credit card provider 2025
The Zopa Smart ISA can be opened with as little as £1. Customers who already have a Smart Saver Account can apply for a Smart ISA via the Smart Savings Hub....
What is this award?
The Best ethical financial provider 2026 award is part of the British bank awards. Measured by consumer feedback that recognise businesses that are doing brilliant things for financial services customers.
This company has won:
- Best ethical financial provider 2026
- Best ethical financial provider 2025
Triodos offer ethical ISAs so your money can have a positive impact on people and the planet. The Triodos Online Cash ISA can be opened with £10. The Triodos Fixed Rate...
At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.
We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.
It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.
Cynergy Bank have a range of cash ISAs. You can choose from fixed rate cash ISAs or easy access cash ISAs. Cynergy Bank cash ISAs can be opened with a minimum...
Moneybox have a Cash ISA that can be opened in minutes on the app. The Moneybox Cash ISA can be opened with a minimum of £500 and you can transfer in...
With a Moneyfarm cash ISA, you earn daily interest. You can withdraw up to three times a year without impacting your Moneyfarm cash ISA rate and top up anytime, fee-free. Your...
A Tembo cash ISA can be opened in minutes with as little as £10. The interest rate is variable and you can have unlimited same day withdrawals with no penalties. Interest...
The Trading 212 cash ISA is completely free with no account fees. The Trading 212 cash ISA is flexible so you can withdraw funds whenever you want to. Your interest accumulates...
Kroo offer a fully flexible cash ISA. A Kroo cash ISA is free to open and has no monthly fees. You can view your aash ISA in the Kroo app. There’s...
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Frequently asked questions
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What is a Cash ISA?
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A Cash ISA (Individual Savings Account) is similar to a regular savings account, but you earn tax-free interest on your savings.
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How many Cash ISAs can you have?
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As long as you don't exceed the annual contribution limit, you can technically have as many Cash ISAs as you like. You can have Cash ISAs with different providers, although some will only let you have one Cash ISA with them.
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How much can you put into a Cash ISA each year?
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As of the 2025/26 tax year, the annual ISA allowance is £20,000. This is the maximum amount you can save in any ISAs you have, and this isn't restricted to just one ISA. You can save up to £20,000 in Cash ISAs, Stocks and Shares ISAs, and one Lifetime ISA in a single tax year.
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What is the difference between a Cash ISA and a savings account?
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The main difference is tax. Interest earned in a Cash ISA is completely free of UK income tax. With a standard savings account, interest counts towards your Personal Savings Allowance (£1,000 for basic rate taxpayers, £500 for higher rate). If you’re likely to earn more interest than your allowance, a Cash ISA is often the better choice.
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Can you transfer a Cash ISA to a different provider?
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Yes, you can transfer your Cash ISA to a new provider without losing the tax-free status on your savings. You must use an official ISA transfer rather than withdrawing and re-depositing the money, which would use up your annual allowance again. Most providers support ISA transfers, though it can take a couple of weeks to complete.
Best cash ISAs
Our rankings of the best cash ISA providers are based on real customer experiences, so you can compare top cash ISAs quickly and easily. Whether you’re looking for the best easy-access cash ISA or a fixed-rate option, find the right tax-free savings account for your needs based on genuine customer satisfaction.
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