Before you apply
- Includes a 0.25% bonus for 12 months. After that, the stored rate is 3.75% AER.
What you'd earn in a year
If you save
- Interest at 4.00% AER on a balance up to £250,000
- £200.00
- About
- £200.00
Before tax: about £200 a year on £5,000. Information only, not a recommendation.
Is my money safe?
FSCS protected: up to £120,000 per person, per banking licence.
This account is on the Tandem Bank Ltd licence.
Legal name: Tandem Bank Ltd.
Check protection on the FSCS website ↗ (opens in a new tab)Key facts
Money in and out
- Max balance
- £250,000 (including transfers in)
- Transfers in
- Yes
- Withdrawals
- Unlimited withdrawals
- Manage
- App only
Interest
- Rate
- 4.00% AER variable
- Includes bonus
- 0.25% for 12 months
- Rate after bonus
- 3.75% AER
- Interest paid
- Monthly
Who can open it
- ISA
- Cash ISA · flexible · transfers in
New money limited to your £20,000 yearly ISA allowance.
Source: tandem.co.uk · Last verified 17 Oct 2026, 09:38 UK time
Rate history
We started tracking this account on 14 Oct 2026. Further changes will show here.
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