What you'd earn in a year
If you save
- Interest at 3.80% AER
- £190.00
- About
- £190.00
Before tax: about £190 a year on £5,000. Information only, not a recommendation.
Is my money safe?
Backed by HM Treasury — 100%, no limit.
Legal name: National Savings and Investments (HM Treasury backed).
How NS&I protects your money ↗ (opens in a new tab)Key facts
Money in and out
- Minimum deposit
- £1
- Transfers in
- No
- Withdrawals
- Unlimited withdrawals
- Manage
- Online
Interest
- Rate
- 3.80% AER variable
- Gross rate
- 3.80%
- Interest paid
- Annually
Who can open it
- ISA
- Cash ISA · not flexible
New money limited to your £20,000 yearly ISA allowance.
Source: nsandi.com · Last verified 17 Oct 2026, 12:17 UK time
Rate history
We started tracking this account on 14 Oct 2026. Further changes will show here.
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