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Best Cash ISAs

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4.88

Based on 3586 reviews

A product by Tembo Money

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...

4.88

Based on 556 reviews

A product by Kroo

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...

4.84

Based on 316 reviews

A product by Cynergy Bank

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...

4.84

Based on 43 reviews

A product by Wealthify

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...

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.

4.81

Based on 74 reviews

A product by Nationwide

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...

4.80

Based on 36 reviews

A product by Yorkshire Building Society

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...

4.40

Based on 74 reviews

A product by Lloyds Bank

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...

4.37

Based on 10 reviews

A product by Aldermore

Aldermore ISA reviews from our Smart Money People can help you to give you the inside track on what having an ISA with Aldermore is really like. Oh, and if...

4.18

Based on 13 reviews

A product by Plum

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,...

4.11

Based on 99 reviews

A product by NatWest

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...

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Frequently asked questions

What is a Cash ISA?

A Cash ISA (Individual Savings Account) is similar to a regular savings account, but you earn tax-free interest on your savings.

How many Cash ISAs can you have?

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.

How much can you put into a Cash ISA each year?

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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