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Cash ISAs: The Best Currently Available List


**Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. **


The current Cash ISA limit is £20,000 for the 2023/24 tax year.


**As with any financial product, before opening an ISA do ensure that you have read and understood the terms and conditions.**


Variable Rate Cash ISAs for 'new money' only (i.e. they don't accept transfers in):

  • Marcus by Goldman Sachs Cash ISA - 3.50%
  • Minimum deposit: £1.
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA.
  • Rate includes a 0.34% bonus for 12 months.

  • Saga Cash ISA - 3.50%
  • Minimum deposit: £1.
  • Operated via: Internet or Telephone.
  • Notes: This is NOT a flexible cash ISA.
  • Rate includes a 0.34% bonus for 12 months.


  • Fixed Rate Cash ISAs for 'new money' only (i.e. they don't accept transfers in):

  • 1 Year Fixes:

  • N/A


  • Variable Rate Cash ISAs that accept transfers in:

  • Shawbrook Bank Easy Access Cash ISA (issue 24) - 3.78% **New Rate**
  • Rate guarantee? No.
  • Minimum deposit: £1,000.
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA.

  • Gatehouse Bank Easy Access Cash ISA - 3.75% **New Rate**
  • Minimum deposit: £1.
  • Operated via: Internet or Mobile app.
  • Notes: This is NOT a flexible cash ISA.

  • Principality BS Online ISA - 3.75% **New Rate**
  • Minimum deposit: £1.
  • Operated via: Internet.
  • Notes: This is a flexible cash ISA.
  • Important: Rate includes a 0.40% bonus for the first year.

  • Virgin Money Easy Access Cash ISA Exclusive (issue 2) - 3.75%
  • Minimum deposit: £1.
  • Operated via: Internet, Mobile app, Post or Telephone.
  • Notes: This is a flexible cash ISA.
  • To qualify for this ISA you need to have a current account with Virgin Money which was opened on or after 04/12/2019. Or, you originally opened your current account with Clydesdale Bank, Yorkshire Bank or B such as a Signature Current Account.

  • Leeds BS Limited Issue Online Access ISA (issue 61) - 3.75% **New**
  • Minimum deposit: £1,000.
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA.
  • The term is fixed until 31/07/2024.

  • Ford Money Flexible Cash ISA - 3.70% **New Rate w.e f. 21/6 **
  • Minimum deposit: £1.
  • Operated via: Internet.
  • Notes: This is a flexible cash ISA.

  • Post Office Money Online ISA - Easy Access (issue 36) - 3.65% **New**
  • Rate guarantee? No.
  • Minimum deposit: £100.
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA.
  • The rate includes a 2.60% bonus for 12 months.

  • Charter Savings Bank Easy Access Cash ISA (issue 36) - 3.65%
  • Minimum deposit: £5,000.
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA.

  • Cynergy Bank Online ISA (issue 37) - 3.62%
  • Rate guarantee? No.
  • Minimum deposit: £1
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA.
  • ISA transfers in are only permitted on account opening.

  • Kent Reliance Cash ISA - Easy Access (issue 40) - 3.58% **New**
  • Minimum deposit: £1,000 (to qualify for the higher interest rate)
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA.
  • A rate of 0.10% is paid on £1 - £999 and 3.58% on £1,000 and above.

  • Sainsbury's Bank Variable Rate Cash ISA - 3.55% **New**
  • Minimum deposit: £500 (to qualify for the higher rate)
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA.
  • Pays 3.55% on balances totalling £500+ and 1.00% on balances between £1 - £499.

  • Skipton BS Cash ISA Saver (issue 19) - 3.50%
  • Rate guarantee? Yes.
  • Minimum deposit: £1.
  • Operated via: Branch, Internet, Post or Telephone.
  • Notes: This is a flexible cash ISA.

  • Tesco Bank Instant Access Cash ISA - 3.40%
  • Minimum deposit: £1.
  • Operated via: Internet, Mobile app and Telephone.
  • Notes: This is a flexible cash ISA.

  • Scottish BS E-ISA - 3.40%
  • Rate guarantee? No.
  • Minimum deposit: £100.
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA.
  • Branch-based version also available here.


  • Variable Rate Cash ISAs with withdrawal restrictions & accepting transfers in:

  • Paragon Bank Triple Access Cash ISA (issue 13) - 3.76% **New Rate**
  • Rate guarantee? No.
  • Minimum deposit: £1.
  • Operated via: Internet.
  • Notes: This is a flexible cash ISA. Allows 3 penalty-free withdrawals per year.

  • Teachers Triple Access ISA For Teachers (issue 1) - 3.65%
  • Minimum deposit: £100.
  • Operated via: Internet.
  • Notes: This is NOT a flexible cash ISA. Allows 3 penalty-free withdrawals per calendar year.
  • Available to teachers (including retired teachers) and other education professionals only.
  • A 3.60% Triple Access ISA available to everyone is also available here.

  • Yorkshire BS Limited Access e-ISA - 3.60%
  • Minimum deposit: £1.
  • Operated via: Internet.
  • Notes: This is a flexible cash ISA. Allows 1 penalty-free withdrawal per account year.

  • Yorkshire BS Limited Access ISA - 3.60%
  • Minimum deposit: £1.
  • Operated via: Branch or Post.
  • Notes: This is a flexible cash ISA. Allows 1 penalty-free withdrawal per account year.

  • Chorley BS Easy Access Cash ISA - 3.55%
  • Minimum deposit: £1.
  • Operated via: Branch, Internet or Post.
  • Notes: This is NOT a flexible cash ISA. Allows 3 penalty-free withdrawal per account year.

  • Harpenden BS Triple Access Cash ISA - 3.54%
  • Rate guarantee? No.
  • Minimum deposit: £1.
  • Operated via: Branch, Internet or Post.
  • Notes: This is NOT a flexible cash ISA. Allows 3 penalty-free withdrawals per year.


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