The best cash ISAs with the biggest interest rates in 2026
Financial Interest was founded by Damien Talks Money (384,000 YouTube subscribers) to teach the personal finance lessons he wished he'd been taught at school.
Last updated 1st April 2026
7 min read
The highest interest rates
| Provider | Interest rate** | Fi score | Notes | Minimum balance*** | Maximum withdrawals*** |
|---|---|---|---|---|---|
| Tembo* | 4.30% | 4.4 | Includes bonus rate for the first year. ISA transfers get 4.06%. | £10 | Unlimited |
| Plum* | 4.57% | 4.3 | Includes bonus rate for first year, ISA transfers only get 4.07% AER (variable). | £1 | Unlimited |
| Trading 212* | 4.62% | 4.3 | Includes bonus rate for first year, though ISA transfers contributed outside of current tax year only get 3.60% AER (variable). | £1 | Unlimited |
| Moneybox | 4.27% | 4.2 | Includes bonus rate for first year. | £500 | 3 |
| Prosper | 4.70% | 3.5 | Includes bonus rate for the first year, ISA transfers not currently supported. | £10,000 | Unlimited |
| eToro | 4.81% | 3.2 | Includes bonus rate for the first year. Uses QMMFs. Not available to existing Moneyfarm customers. | £500, or £15,000 ISA transfer | 3 |
| Cynergy Bank | 4.05% | 4.2 | No limited time promotional periods or reduced rates on transfers. | £1 | Unlimited |
**AER (variable) for easy access cash ISAs, rates accurate as of 1st April 2026.
***Minimum balance and maximum withdrawals to maintain the advertised interest rate.
What is Fi score?
This is our in-house rating, built by Financial Interest’s expert review team. It takes into account fees, features, and usability for each account type, then combines these into an overall score for the platform as a whole.
List includes easy access cash ISAs only – variable rate, no fixed terms. All rates were accurate as of 31st March 2026. Rates change quickly and may be different to what you see on this page. Get in touch if you'd like to report a mistake.
Financial Interest provides guidance, not advice. If you’re unsure about anything, speak with a qualified adviser. When investing, your capital is always at risk. Past performance does not guarantee future results.
The four best easy access cash ISAs for interest rates in the UK, at the time of writing, are Trading 212, Moneybox, Cynergy, and Tembo.
But due to limited-time promotional rates, it takes a bit of digging to work out which rates are really the highest and which platform offers the best cash ISA all-round.
Please remember, all rates on this page are variable (AER).
Tembo has the top-ranked cash ISA by Fi Score – they offer a decent promo rate of 4.30%, a 4.06% interest rate on ISA transfers, a low minimum deposit, and they don't reduce your rate if you withdraw too many times. Plus, there's the option to open a "no bonus" cash ISA with a 4.06% rate, so you don't have to worry about it dropping after 12 months.
Coming up close behind is Plum – new customers get 4.57%, while ISA transfers get 4.07%. However, after a year, your rate will drop to 2.54%.
Trading 212 has a promotional rate of 4.62%, plus their ISA is flexible – where you can withdraw and redeposit in the same financial year without affecting your annual ISA deposit limits. This includes a promotional rate that is removed after 12 months.
This boosted rate is available via our link on Financial Interest, or by using the promo code FIN, as a new customer. It only applies to new deposits, or ISA transfers on contributions made within the same tax year.
Moneybox has a high interest rate of 4.27% if you wish to transfer ISA funds from elsewhere. This rate is guaranteed to drop when the 12-month promotional rate boost ends and, because it's a variable rate, it could (and is likely to) decrease prior to that.
You also must have a balance of at least £500 and can only withdraw up to three times per year without it affecting your rate.
Prosper offers a very high interest rate of 4.70%, but doesn't currently support ISA transfers, and requires a minimum deposit of £10,000 to receive this higher rate.
eToro's cash ISA has an interest rate of 4.81%, which also includes a bonus rate for the first year. Their promo rate applies to ISA transfers, but you're also only allowed a maximum of three withdrawals, after which your rate will drop to 3.51%. Their ISA uses QMMFs, which means your savings may not be covered by FSCS protection.
Cynergy Bank offers a slightly lower rate of 4.05%, but the rate doesn't drop after a promotional period, allows unlimited withdrawals, and applies to ISA transfers. However, their online ISA is only available for existing Cynergy customers.
Trading 212's cash ISA is flexible, as is eToro's and Prosper's, meaning you can withdraw your money from your ISA and pay it back without it affecting your allowance. The other leading options are not flexible.
Reasonable rates
| Provider | Easy access interest rate (March 2026)** |
|---|---|
| Marcus by Goldman Sachs | 4.01% |
| Virgin Money | 3.25% |
| Lightyear* | 3.75% |
| Chip* | 3.81% |
| Yorkshire Building Society | 3.60% |
| Nottingham Building Society | 3.80% |
| Zopa | 3.25% |
| Nationwide | 4.00% |
**AER (variable) for easy access cash ISAs, rates accurate as of 1st April 2026
***Minimum balance required and maximum withdrawals to maintain the advertised interest rate.
List includes ISAs that are either easy access or allow at least three withdrawals – variable rate, no fixed terms. All rates were accurate at the time of publishing. Rates change quickly and may be different to what you see on this page. Get in touch if you'd like to report a mistake.
Very low rates and the worst offenders
| Provider | Easy access interest rate (March 2026)** |
|---|---|
| Aldermore | 2.75% |
| OakNorth | 2.75% |
| Monzo | 3.25% |
| Halifax | 2.30% |
| Coventry Building Society | 2.00% |
| First Direct | 2.75% |
| HSBC | 2.50% |
| Leeds Building Society | 1.45% |
| Paragon | 1.50% |
| Royal Bank of Scotland | 1.15% |
| NatWest | 1.15% |
| TSB | 1.10% |
| Santander | 2.00% |
| Barclays | 1.00% |
| Lloyds Bank | 1.00% |
| Bank of Scotland | 1.00% |
| Metro Bank | 0.90% |
***Minimum balance required and maximum withdrawals to maintain the advertised interest rate.
Some of these banks are making so much margin on their savings accounts that the FCA is actively encouraging them to be provide better value for customers.
The rates are frankly laughable.
As a standout example, Metro Bank recently dropped their rate to 0.9% in response to the Bank of England changing the base rate.
We're not sure anyone offering 1% was in need of a "response" to the Bank of England's base rate decrease, but hey, we're just some Average Joes sharing our unqualified thoughts about money on the internet.
