Saving For Your Future > Savings Best Buy Tables > Best Easy Access Cash ISAs in the UK

Best Easy Access Cash ISAs in the UK

By Damien Fahy
1 min Read Published: 13 Jul 2026

The best Easy Access Cash ISAs from the whole UK Savings Market!

theprivateoffice.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:

Ways to always ensure you get the best savings rate

  1. Bookmark this page and regularly check our best buy tables, such as the one below.
  2. Work out your priorities - do you need access to your money or can you lock it away for potentially greater returns?
Partner Offer

Get 4.51% (AER Variable) with the Trading 212 Cash ISA

Earn 4.51% (AER Variable) with the Trading 212 Flexible Cash ISA:

  • 3.60% AER (variable tracker) + 0.91% 12 month boost
  • Flexible - withdraw anytime
  • Completely free - no account fees
  • T&Cs and eligibility criteria apply

In partnership with
Find out more*

ISA rules apply. Includes a bonus of 0.91% for the first 12 months only for current tax year contributions. Cash ISA T&Cs apply. Trading 212 account required. Trading 212 is not a bank.

Best Easy Access Cash ISAs

Provider Trading 212* Plum* Moneybox Chip Hargreaves Lansdown* Atom Bank
AER 4.51% 4.48% 4.45% 4.45% 4.30% 4.25%
Bonus rate included (if applicable) 0.91% 1.94% 1.00% 0.70% n/a n/a
Bonus rate period 12 months 12 months 12 months 12 months n/a n/a
Rate after bonus period expires 3.60% 2.54% 3.45% 3.75% n/a n/a
Minimum opening balance £1 £1 £500 £1 £1 £0
Is it a flexible ISA Yes Yes No Yes No No
How to manage the account Mobile, Online Mobile Mobile Banking, Online Mobile Mobile, Online Mobile
How to apply Mobile, Online Mobile Mobile, Online Mobile Online Mobile
Summary  

  • Rate is variable
  • Bonus rate not available on transfers in
  • Headline rate of 4.48% for new customers only
  • Transfers in are allowed at a lower rate of 4.00% for new customers which includes a bonus rate of 1.46% for the first 12 months
  • Withdrawals allowed
  • Rate is variable
  • Transfers in allowed
  • Rate is variable
  • Up to 3 withdrawals every 12 months without impacting your rate
  • Boosted rate only available for new customers
  • Rate is variable
  • Withdrawals allowed
  • ISA transfers in must be the whole ISA, partial transfers are not allowed
  • Rate is variable
  • Withdrawals allowed
  • Can pick, mix, and switch your money between multiple partner banks without opening new accounts
  • Direct transfers in from other providers’ Cash ISAs are not currently supported (you must transfer to an HL Stocks & Shares ISA first, then move the cash over)
  • Transfers in from ISAs are not supported
  • Rate is variable
Financial Services Compensation Scheme Shared Licence Shared Licence Covered via Partner Banks Shared Licence Covered via Partner Banks Own Licence

Updated: 13/07/2026

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 - Hargreaves Lansdown, Plum, Trading 212

Related articles

News

Fixed-rate Cash ISAs beat easy-access ISAs - Time to lock in your savings?

By Andy Leeks
3 min Read 13 May 2026
Savers looking to make the most of their tax-free allowance are seeing a major shift in the savings market. One-year...

Savings Best Buy Tables

Best Easy Access Savings Accounts in the UK

By Damien Fahy
1 min Read 10 Jul 2026
The best Easy Access savings accounts from the whole UK Savings Market! The following savings best buy tables are also...

Savings Best Buy Tables

Best Notice Cash ISAs in the UK

By Damien Fahy
1 min Read 10 Jul 2026
The best Notice Cash ISAs from the whole UK Savings Market! theprivateoffice.co.uk monitors the whole UK savings market (that's over...

How this site works...

The material on the Money to the Masses website, 80-20 Investor, Damien’s Money MOT, MTTM AI, associated pages, channels, accounts and any other correspondence are for general information only and do not constitute investment, tax, legal or other form of advice.

You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation. Leadenhall Learning (owner of Money to the Masses, 80-20 Investor, Damien’s Money MOT, MTTM AI) and its staff do not accept liability for any loss suffered by readers as a result of any such decisions or their use of any information on this site. See full Terms & Conditions, Privacy Policy and Disclaimer.

Money to the Masses is a journalistic website and aims to provide the best personal finance guides, information, tips and tools, but we do not guarantee the accuracy of these services so be aware that you use the information at your own risk and we can't accept liability if things go wrong.

We aim to give you accurate information at the date of publication, unfortunately price and terms and conditions of products and offers can change, so double check first. Leadenhall Learning, Money to the Masses, 80-20 Investor, Damien's Money MOT, MTTM AI nor its content providers are responsible for any damages or losses arising from any use of this information. Always do your own research to ensure any products or services and right for your specific circumstances as our information focuses on rates not service.

When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Funds invest in shares, bonds, and other financial instruments and are by their nature speculative and can be volatile. You should never invest more than you can safely afford to lose. The value of your investment can go down as well as up so you may get back less than you originally invested.

We do not investigate the solvency of companies mentioned on our website. We are not responsible for the content on websites that we link to.

80-20 Investor tables and graphs are derived from data supplied by Trustnet. All rights Reserved.

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.

Leadenhall Learning Limited (trading as Money to the Masses) is an appointed representative of Wealthify Limited which is authorised and regulated by the Financial Conduct Authority. Money to the Masses acts as an appointed representative for the purpose of promoting Wealthify products and introducing customers to Wealthify.

Leadenhall Learning Limited (trading as Money to the Masses) is an Introducer Appointed Representative of Creditec Limited who is acting as a credit broker and not a lender and which is Authorised and Regulated by the Financial Conduct Authority (FRN: 972716)
As seen on:
© 2026 Leadenhall Learning
MTTM AI (beta)
⛶ X
I’m MTTM AI (beta), powered by DaMoney. I can help with personal finance questions. I’m an AI tool, not a financial adviser. Answers are for information purposes only and do not constitute financial advice. Always verify responses with your own research and seek professional advice. By using this chat, you agree to our Terms of Use.
Go ahead, ask me a question