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We compared the Cash ISAs from eight investing platforms we review, plus the best rates from banks and building societies. See what each would pay you over one or two years, including after any bonus ends.
Some links are affiliate or referral links. Rates are variable unless fixed and can change at any time.
Quick answer: how to choose a Cash ISA
Decide how much access you need, then compare what you would earn once any bonus ends.
Rates checked on each provider's own page, 11 November 2026Compare all 8How we rank
Our top pick
4.94% AER variable for the first 12 months for new eToro clients, including a 1% boost paid after a year, then 3.62%. The rate holds with up to three withdrawals a year, and you can transfer in an existing Cash ISA from £5,000.
Worth knowing: your cash is held in a money market fund through Moneyfarm. It is an investment, so its value can fall, and FSCS cover is the £85,000 investment limit rather than the deposit limit.
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Sponsored link.
Savings vs inflation
UK inflation 3.5%CPI, September 2026
Prices are rising by 3.5% a year. Any rate below that means your money buys less each year.
In 5 years, your £10,000 would buy what £9,296 buys today. That is £704 less.
To keep up you need at least 3.50%. Over 5 years, the best Cash ISA in our table (Hargreaves Lansdown, 4.52%) would leave you £503 ahead of inflation, tax-free.
CPI from the ONS, updated automatically. Cash ISA rates checked 11 November 2026. Rates are variable.
The eight platforms we review that offer a Cash ISA, in our ranked order. Choose an amount and a period to see the interest each would pay, including after any bonus ends, or sort by the highest rate today.
Rates checked 11 November 2026 on each provider's own page · How we rank
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Sponsored link.
Capital at risk.
Interest assumes the amount is paid in on day one, with no withdrawals, rates unchanged and interest added once a year. Bonus rates are for new customers and end after 12 months. eToro and Lightyear hold some or all of your cash in money market funds, which the FSCS covers under its investment limit rather than the deposit limit. The order is our editorial ranking, explained in how we rank. Some links are affiliate links, which never change the order.
Prefer to keep your cash with a bank? These are the highest rates we found for each type of Cash ISA, checked on each bank’s own page. Fixed rates pay more in return for locking your money away.
Rates checked 11 November 2026 on each bank's own page
Bank and building society deposits are protected by the FSCS up to £120,000 per person, per banking licence. Fixed-rate ISAs let you leave early but charge the interest penalty shown. Fixed rates are limited issues and can be withdrawn without notice.
Short on time? Pick the line that sounds like you. Every rate here is in the comparison table above.
4.94% for 12 months for new clients, then 3.62%. Up to three withdrawals a year keep the rate.
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Sponsored link.
4.52% variable across HL’s partner banks. Not flexible, so money you withdraw loses its ISA status.
4.72% for 12 months for new customers, then 3.76%, with unlimited withdrawals you can replace in the same tax year.
4.00% with no bonus period and free, unlimited withdrawals. Transfers in are not available yet.
4.00% from £1, free transfers in and no rate cut after withdrawals. Part of your cash goes into money market funds.
Capital at risk.
3.85%, tracking the Bank of England base rate. Flexible, with free transfers in, beside its Stocks and Shares ISA.
Four of the eight platforms pay a bonus or boost for the first 12 months only. After that the rate falls to the standard variable rate, which is why our table opens on two years rather than one.
| Platform | First 12 months | After that | Interest on £10,000 over two years |
|---|---|---|---|
| eToro | 4.94% | 3.62% | £874 |
| Chip | 4.72% | 3.76% | £866 |
| Moneybox | 4.53% | 3.45% | £814 |
| Plum | 4.71% | 2.54% | £737 |
| Hargreaves Lansdown (no bonus) | 4.52% | 4.52% | £924 |
Assumes £10,000 paid in on day one, no withdrawals, rates unchanged and interest added once a year. Rates checked 11 November 2026.
Over two years, Hargreaves Lansdown’s flat 4.52% pays more than any of the bonus accounts. If you take a bonus rate, note when it ends and compare again: you can transfer to another Cash ISA without losing the tax-free status.
Most Cash ISAs hold your money as bank deposits. A few platforms use money market funds instead, which can pay close to the Bank of England base rate but are investments, with different protection.
| Where your cash is held | Who uses it | FSCS protection | Can the value fall? |
|---|---|---|---|
| Bank deposits | Hargreaves Lansdown, Chip, XTB, Moneybox, Trading 212, Plum and every bank in our bank table | Up to £120,000 per person, per banking licence | No |
| Money market fund | eToro, through Moneyfarm | Up to £85,000 if a regulated firm fails. It does not cover a fall in the fund’s value | Yes. The fund aims to hold its value, but that is not guaranteed |
| Banks and money market funds | Lightyear | The bank part as a deposit, the fund part as an investment | The fund part can |
“Per banking licence” means brands owned by the same bank share one £120,000 limit. You can check which brands share a licence on the FSCS website.
The rules that decide how much you can save tax-free this year.
Written by Dimitar Kanazirski
Founder and Editor-in-chief. BA (Hons) Business Economics, ACMI. Researches and writes on ISAs, savings and ETFs.
Fact-checked by David Katzarov
Editor. Background in law and personal investing, focusing on regulation and ISA rules.
A Cash ISA is a savings account where the interest is free of UK tax. You can pay in up to £20,000 a year across all of your ISAs, and the interest never counts towards your Personal Savings Allowance.
Most Cash ISAs hold your money as bank deposits, protected by the FSCS up to £120,000 per banking licence. Some platforms, such as eToro, use money market funds instead, which are investments and can fall in value.
£20,000 across all of your ISAs combined, and all of it can go into cash. The allowance resets on 6 April each year and anything unused is lost.
The cut to £12,000 for under-65s that was planned for April 2027 will not go ahead. It was dropped in the Autumn Budget on 28 October 2026.
A flexible ISA lets you take money out and put it back in the same tax year without using up more of your allowance. Chip, XTB, Lightyear, Trading 212 and Plum offer flexible Cash ISAs.
Hargreaves Lansdown and Moneybox do not, so money you take out and later pay back counts as a new payment towards your £20,000.
eToro pays the highest rate available today, keeps it with up to three withdrawals a year and accepts Cash ISA transfers in from £5,000. Its cash is held in a money market fund, so your capital is at risk.
Hargreaves Lansdown’s 4.52% pays more on £10,000 over two years, but its Cash ISA is not flexible and it does not take direct Cash ISA transfers in. If the two-year return matters most to you, sort the table by “Most interest”.
Open the new Cash ISA first and ask the new provider to transfer your old one. Do not withdraw the money yourself, or it loses its tax-free status. A transfer between Cash ISAs should complete within 15 working days.
Lightyear and Trading 212 accept free transfers in, eToro from £5,000, and Moneybox pays its full rate on money transferred in. Hargreaves Lansdown does not take direct Cash ISA transfers in, and XTB says transfers in are coming soon. If you are leaving a fixed-rate ISA early, check the exit penalty first.
A money market fund lends for very short periods to governments and large banks. It aims to keep its value steady and pay close to the Bank of England base rate, but neither is guaranteed.
If a regulated firm fails, FSCS investment protection may cover up to £85,000. It does not cover a fall in the fund’s value. eToro’s Cash ISA uses a money market fund, and Lightyear’s uses a mix of banks and funds.
Every rate in our platform table is variable, so the provider can change it at any time. Bonus rates also end after 12 months.
A fixed-rate Cash ISA pays a set rate for one to five years. You can usually leave early, but you pay a penalty of some of the interest, shown in our bank table.
Yes. Since April 2024 you can open and pay into more than one Cash ISA in the same tax year, as long as your total payments into all ISAs stay within £20,000.
Important information
This page is for general information and education. It is not personal financial advice and does not take account of your circumstances. Rates are variable unless shown as fixed, bonus rates end after the period stated, and providers can change or withdraw any account at any time.
Cash ISAs that use money market funds, including eToro’s and part of Lightyear’s, are investments: your capital is at risk and you may get back less than you put in. The provider’s own terms always take precedence over anything on this page, so check them before you open an account. Tax treatment depends on your individual circumstances and ISA rules may change.
Disclosure: some links on this page are affiliate or referral links, which may earn YourWalletManager a commission when you sign up. This never changes the order of our picks or the rates we report. Meet our editorial team.
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