Best cash ISAs
Chorley Building Society offer a range of cash ISAs. Choose from easy access, notice and fixed rate cash ISAs and open one with as little as £1. Once you’ve opened your...
Tandem offer fixed rate cash ISAs and easy access cash ISAs. Tandem cash ISAs can be opened online. If you withdraw money from a fixed rate cash ISA, you’ll pay a...
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Meteor Cash ISAs are easy access and support ISA transfers in and out. The Meteor platform is free to use for customers and accounts can be opened and managed...
The Nationwide Fixed Rate Cash ISA can be opened with as little as £1. You can open a Nationwide Cash ISA by using the banking app or internet bank (if you’re...
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.
The Wealthify cash ISA is powered by ClearBank. You can save tax-efficiently with the flexibility to withdraw and redeposit funds within the same tax year — without affecting your allowance. A...
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A Lloyds Bank cash ISA can be opened from as little as £1, depending on which one you choose. Lloyds Bank offer one or two year fixed rate cash ISAs, Club...
Yorkshire Building Society have a range of fixed and variable rate cash ISAs. Yorkshire Building Society easy access cash ISAs can be opened with a minimum of £1. Fixed rate cash...
Santander have a range of ISAs with a choice of fixed rates and variable rates. The Santander Easy Access ISA needs a minimum deposit of £500 to open the account. Santander...
NatWest offers two types of cash ISAs - an instant access cash ISA and a fixed rate cash ISA. NatWest offer one year or two-year fixed rate cash ISAs which can...
You can open a Plum cash ISA in the app. All you need to open a Plum cash ISA is £1. If you already have a cash ISA with another provider,...
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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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