The best Easy Access Cash ISAs from the whole UK Savings Market!
SavingsChampion.co.uk monitors the whole UK savings market (that's over 4,000 accounts) to bring together the best buys available.
The following savings best buy tables are also available:
- High Interest Current Accounts
- Easy Access
- Fixed Rate Bonds
- Fixed Rate ISAs
- Notice Accounts
- Regular Savings
- Children’s Accounts
- Cash Lifetime ISAs
- Cash Junior ISAs
- Notice Cash ISAs
Two ways to always ensure you get the best savings rate
- Bookmark this page and regularly check our best buy tables, such as the one below.
- You can also sign up to the FREE rate tracker email alert which will monitor savings account rates for you. You simply enter your email address and the names of the savings accounts you currently have. Then, not only will the system tell you if you are getting a good deal, but it will continuously monitor the market for you and email you when there are better deals out there than your existing account. When using the tool make sure you enter the correct balance for each of your accounts as some deals out there offer tiered rates - whereby the interest rate paid is dependent on your account balance.
Best Easy Access Cash ISAs
| Plum* | Moneybox | Chip* | ZOPA | Newcastle Building Society | |
| Account name | Plum Cash ISA | Moneybox Cash ISA | Chip Cash ISA | Easy Access ISA | Single Access ISA (Issue 1) |
| AER | 5.17% | 5.16% | 5.10% | 5.08% | 5.00% |
| Minimum opening balance | £100 | £500 | £1 | £1 | £1 |
| How to manage the account |
Mobile Banking |
Mobile Banking |
Mobile Banking |
Mobile Banking |
Branch, Online, Post, Telephone |
| How to apply |
Mobile |
Mobile |
Mobile |
Mobile |
Branch, Online |
| Summary | The rate of 5.17% AER includes a bonus of 0.86% for the first 12 months, providing the following conditions are met: The account balance is kept at £100 or more and you have no more than 3 withdrawals in a single year. Should you make a 4th withdrawal or your balance drop below £100, the interest rate will drop to 3.00% AER. Transfers of existing ISA funds are allowed, but these receive the basic rate of 4.29% AER. The basic rate of interest of 4.29% is paid monthly, and the Plum bonus rate of 0.88% will be added at the end of the first year. This is not a flexible ISA. | Easy Access. Up to 3 withdrawals within a 12-month period from date of opening without affecting interest rate. If 4 or more withdrawals made, lower rate of 0.75% applied for remaining period. Rate includes 0.91% bonus rate for first 12 months.
Cash ISA transfers in accepted. Interest accrued daily but paid on anniversary of opening ISA. Not a flexible ISA. |
Easy Access. This account is available via the Chip App, which can be downloaded from the App or Google Play store using the QR code on the Chip link. Transfers in not accepted currently. This is a flexible ISA. Interest is paid monthly.
This savings account is powered by the provider's partner, ClearBank Limited. ClearBank Limited is covered by the Financial Services Compensation Scheme, so funds deposited are protected up to £85,000 subject to eligibility. Be aware that any funds that you already hold with ClearBank Limited will also count towards this limit. |
Easy access. Interest is paid monthly. Transfers in from other providers allowed. Flexible ISA | Easy Access. 1 withdrawal permitted each anniversary year, Interest rate of 5% paid on anniversary of account opening, Interest rate will drop to 2.9% uponmaking 2 or more withdrawals. Transfers in from other providers are accepted. This is a flexible ISA. |
| Financial Services Compensation Scheme | Shared Licence | Own Licence | Shared Licence | Own Licence | Shared Licence |
Source: SavingsChampion.co.uk: Updated 19/04/2024
If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced the above editorial. The following links can be used if you do not wish to help Money to the Masses or take advantage of the exclusive Money to the Masses offers - Plum, Chip.
