Best Cash ISA rates UK (July 2026)
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Quick answer: Top easy-access Cash ISAs pay around 4.4–4.6% AER in July 2026; some include time-limited bonuses on new money only. You can put up to £20,000 into ISAs this tax year — interest is tax-free regardless of your tax band.
Cash ISAs suit anyone who would otherwise pay tax on savings interest above their Personal Savings Allowance. Transfer rules let you move older ISAs without losing tax-free status — never withdraw to your bank account to switch.
Last reviewed:
Read the full savings & ISAs guide →ISA allowance 2026/27 →Primary source: www.gov.uk/individual-savings-accounts
Easy access vs fixed Cash ISA
Easy access suits money you may need soon. Fixed Cash ISAs pay more for locking away — breakage charges apply if you withdraw early.
Transfer or open new?
If an old ISA pays under 2%, transfer to a top payer. Bonus rates on new money may not apply to transferred historic years — read terms.
Common questions
Should I use a Cash ISA or Stocks & Shares ISA?
Cash ISAs for short-term goals and emergency funds. Stocks & Shares ISAs for five-year-plus horizons where inflation risk matters more than capital volatility.