🏠 / Best Cash ISA

Best Cash ISA 2026

Compare the best Cash ISA rates available today and earn tax-free interest on up to £20,000 this tax year. Find the right account for your savings goals in minutes.

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  • HL

    Hargreaves Lansdown Logo.wine e1727397069122
    Account type
    Non-Flexible
    Term
    Easy Access & Fixed Rate (1, 2 & 5 Year)
    Min. deposit
    £1
    AER – Variable
    up to 4.50% AER
    Withdrawals
    Unlimited (Easy Access) / Restricted (Fixed)
    Earn tax-free interest from multiple banks in one place. Mix easy access and fixed rate products, manage everything through a single account, and switch between rates as your needs change — all with no platform fees.

  • xtb

    XTB Logo MZ
    Account type
    Flexible
    Term
    Easy Access
    Min. deposit
    £0
    AER – Variable
    Up to 4% AER (variable)
    Withdrawals
    No Withdrawal Limits
    A Flexible Cash ISA gives you the best of both worlds: tax-free interest on your savings, plus the freedom to dip in and out without losing your ISA allowance. Unlike a standard Cash ISA, any money you withdraw and replace within the same tax year won’t count as a new subscription — so your £20,000 annual allowance stays intact. XTB pays a variable rate of 4% AER on Cash ISA balances. Interest is calculated daily and credited to your account monthly, so your money keeps working for you even when you need to access it. Rates are variable and subject to change. Tax treatment depends on your individual circumstances and ISA regulations, which may change. T&Cs apply.

  • OakNorth

    Oaknorh Bank Logo
    Account type
    Fixed Rate Cash ISA
    Term
    12, 24, or 36 months
    Min. deposit
    £1
    AER – Variable
    From 3.30% to 4.55%
    Withdrawals
    Unlimited*
    OakNorth’s Fixed Rate Cash ISA lets you earn tax-free interest with a guaranteed rate locked in for your chosen term.OakNorth’s Fixed Rate Cash ISA lets you earn tax-free interest with a guaranteed rate locked in for your chosen term. Start saving from just £1 across 12, 24, or 36-month terms. Early withdrawal is allowed but comes with a penalty — 90 days’ interest on a 12-month term, 180 days on a 24-month term, and 270 days on a 36-month term. *(early withdrawal penalty applies)

  • OakNorth

    Oaknorh Bank Logo
    Account type
    Easy Access Cash ISA
    Term
    Next-day access
    Min. deposit
    £1
    AER – Variable
    2.75% AER
    Withdrawals
    Unlimited
    OakNorth’s Easy Access Cash ISA lets you earn tax-free interest with next-day access to your money. Start saving from just £1 with unlimited withdrawals and no impact on your rate.

Your money is protected up to £120,000 per person, per authorised institution under the Financial Services Compensation Scheme (FSCS). Interest rates can change at any time and are not guaranteed. This is not personalised financial advice — if you’re unsure which Cash ISA is right for you, we recommend speaking to an independent FCA-regulated financial adviser. You can find one at Unbiased. Some links on this page are affiliate links — we may earn a commission if you sign up via these links, at no extra cost to you. This does not influence our editorial content or rankings.