Best easy-access cash ISA rates

An easy-access cash ISA lets you add and withdraw without a fixed end date, and the interest is tax-free. You can put up to £20,000 a year into adult ISAs. The rate can change, and a transfer keeps the ISA wrapper where a withdrawal does not.

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17 accounts

Sorted by highest rate · Checked 17 Oct 2026, 12:17

We may earn a fee if you open an account through a paid link. The top 5 results are never ads. Fees never change the order.

  4. Active Savings Cash ISA (easy access)

    Hargreaves Lansdown Active Savings

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · Checked 3 hours ago · verified at source · Report a wrong rate

    4.52%AER variableMinimum deposit £1

    Transfers in: yes

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Held across a panel of banks

    Interest paid: not yet checked

    View details: Active Savings Cash ISA (easy access)
  5. App-onlyFlexible

    Easy Access Cash ISA Boosted Rate

    Monument Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · Checked 5 hours ago · verified at source · Report a wrong rate

    4.34%AER variableMax balance £2,000,000 (including transfers in). Applies across all your Monument accountsMinimum deposit £10,000

    Transfers in: yes

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Monument Bank Ltd

    Interest: Monthly

    View details: Easy Access Cash ISA Boosted Rate

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  7. Easy Access Cash ISA

    Charter Savings Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · Checked 3 hours ago · verified at source · Report a wrong rate

    4.26%AER variableMax balance £1,500,000 (including transfers in)Minimum deposit £1

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Charter Court Financial Services Limited

    Interest: Monthly

    View details: Easy Access Cash ISA

  12. Easy Access Online ISA (Issue 10)

    Hampshire Trust Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · Checked 5 hours ago · verified at source · Report a wrong rate

    4.06%AER variableMax balance £250,000 (including transfers in)Minimum deposit £1

    Transfers in: yes

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Hampshire Trust Bank plc

    Interest: Annual

    View details: Easy Access Online ISA (Issue 10)

  15. Easy Access Cash ISA - Issue 35

    Shawbrook Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · Checked 5 hours ago · verified at source · Report a wrong rate

    2.70%AER variableMax balance £500,000 (including transfers in)Minimum deposit £1,000

    Transfers in: yes

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Shawbrook Bank Ltd

    Monthly: 2.67% gross / 2.70% AER · Annual: 2.70% gross / 2.70% AER

    View details: Easy Access Cash ISA - Issue 35
  16. Flexible

    Cash ISA Saver

    Skipton Building Society

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · Checked 5 hours ago · verified at source · Report a wrong rate

    2.05%AER variableMax balance £1,000,000 (including transfers in)Minimum deposit £1

    Transfers in: yes

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Skipton Building Society

    Monthly: 2.03% gross / 2.05% AER · Annual: 2.05% gross / 2.05% AER

    View details: Cash ISA Saver
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Questions

Can I move an easy-access ISA later?

You can usually ask a new ISA provider to transfer in. Check that the new account accepts transfers. Do not withdraw to your current account if you want to keep the ISA status.

Are easy-access ISA rates fixed?

Not unless the row says the rate is fixed. Variable rates can fall.

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