Trading 212
Market-leading 5.0% AER variable on uninvested cash. Flexible & easy access.
Top Cash ISAs 2026
Maximize your tax-free savings with the best interest rates in the UK.
Tax-Free Savings? Yes Please.
What is a Cash ISA?
A Cash ISA is just a savings account where the taxman can't touch the interest. You can put in up to £20,000 each tax year. It's the smartest place to keep your emergency fund or short-term savings.
Fixed vs Variable: "Fixed" means you lock your money away for a year (or more) for a guaranteed rate. "Variable" (or Easy Access) means the rate can change, but you can get your money out whenever you want.
Inflation Risk
Cash ISAs are generally low risk and covered by the FSCS (up to £85k). The main risk is inflation. If the interest rate is lower than inflation, the real buying power of your money will go down over time.
Best Cash ISA Providers
Compare AllMoneybox
Popular app-based ISA with round-ups and competitive bonus rates.
Plum
Smart automation to help you save more. High interest easy access.
Atom Bank
Simple, fast, app-only bank with consistently high easy access rates.
Cynergy Bank
Excellent fixed rate options for those who want guaranteed returns.