Best easy access Cash ISAs (October 2026)

Here are the best easy access ISAs available at the moment with today’s highest rates

Easy access ISAs let you can save using your annual ISA allowance, but you’re able to withdraw the money without restrictions.

Here are the top easy access Cash ISAs on the market at the moment. If you’re looking for fixed-term Cash ISAs, we have a separate page of the best paying fixed ISAs.

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Best easy access Cash ISAs

Easy access Cash ISAs

Trading 212 Cash ISA

Customer rating 4.7/5

• AER (variable)

  4.67%
• Minimum

  £1
• Access

  Full access

Includes bonus of 1.07% for 12 months

• Bonus New Trading 212 customers get a bonus of 1.07% AER for 12 months for current year subscriptions with a yearly gross rate of 4.57%.
• Allows transfers in? Yes, but no bonus rate on transfers
• Flexible ISA Yes
• FSCS Protected? Yes
• Important details Existing Trading 212 customers get a rate of 3.6%

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Moneybox app Cash ISA

Customer rating 4.8/5

• AER (variable)

  4.65%
• Minimum

  £500
• Access

  Limited access
• Maximum withdrawals

  3

Rate includes 1.06% bonus for 12 months

• Bonus Rate includes 1.06% bonus for 12 months
• Allows transfers in? Yes
• Flexible ISA No
• FSCS Protected? Yes

Plum Cash ISA

Customer rating 4.8/5

• AER (variable)

  4.6%
• Minimum

  £1
• Access

  Full access

Rate includes a bonus rate of 2.04% for new users

• Bonus Includes a bonus rate (for new users) of 2.04% AER if kept for 12 consecutive months
• Allows transfers in? Yes - but you'll get a different rate for transfers in. The rate is 4% AER (variable), made from a 2.54% underlying rate and a bonus rate of 1.84%.
• Flexible ISA Yes
• FSCS Protected? The FSCS protects up to £120,000 that you have saved, per bank, building society or credit union (or up to £240,000 for joint accounts), subject to eligibility. FSCS protection applies differently
• Important details Rate shown for new customers only. Interest on Plum's Cash ISA varies - this is the rate on 22/07/2026. ISA rules apply. Includes a bonus rate (for new users) of 2.04% AER if kept for 12 consecutive months. Cash ISA T&Cs apply. Plum is not a bank. Tax treatment depends on your personal circumstances and is subject to change

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Chip Cash ISA

Customer rating 4.9/5

• AER (variable)

  4.55%
• Minimum

  £1
• Access

  Full access

Rate includes 0.77% bonus for 12 months

• Bonus Rate includes 0.77% bonus for 12 months
• Allows transfers in? Yes
• FSCS Protected? Yes

Hargreaves Lansdown Cash ISA

Customer rating 4.3/5

• AER (variable)

  4.52%
• Minimum

  £1
• Access

  Full access

• FSCS Protected? Yes
• Transfer in existing ISA? No

Monument Easy access Cash ISA

Customer rating 4.9/5

• AER (fixed)

  4.34%
• Minimum

  £10,000
• Access

  Full access

Rate includes 0.58% bonus for 12 months

• Bonus Rate includes 0.58% bonus for 12 months
• FSCS Protected? Yes
• Transfer in existing ISA? Yes

Atom Bank Cash ISA

Customer rating 4.8/5

• AER (variable)

  4.25%
• Minimum

  £0
• Access

  Full access

• FSCS Protected? Yes

Other ISA best rates

You can also get fixed rate cash ISAs. With these, you lock your money away for a set period in exchange for a slightly better interest rate. The rate is locked in as well, so you won’t be impacted by rates changing. There are also other types of ISA, including Stocks & Shares ISAs, Junior ISAs and Lifetime ISAs.

The best Fixed Cash ISA savings accounts

Check out our list of the highest paying fixed Cash ISAs

The best Stocks & Shares ISAs

Check out our list of the cheapest ISAs for investments

How do the rates for easy-access Cash ISAs work?

Easy-access Cash ISAs have a variable rate. This means the rate can change at any time, although there may be a fixed bonus on top of the underlying rate.

Watch out too for short welcome bonuses, though. These tend to make it seem like a rate is significantly better than it is and when these end, you’ll get the underlying rate which might be far lower than other options out there.

What are Cash ISAs?

ISAs, or Individual Savings Accounts, are tax free savings accounts, so you can earn interest on your savings without having to pay any tax on what you earn. They’re a popular choice, but aren’t the only way to earn interest without paying tax and they can still be worth looking at to get the best rates on your cash.

You can add up to £20,000 of new money each financial year across all ISAs you hold, however Lifetime ISAs are limited to £4,000 within that allowance. This £20k limit is known as your ISA allowance, and there are some rules to using one.

If you plan to move money from an existing ISA, it’s vital you transfer the money to the new ISA rather than withdraw it and then deposit it. Not all accounts allow transfers in, but we’ve included the information in our tables when they do.

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