Updated October 18, 2026 · VaultCue Editorial Team

Top cash ISAs compared in the United Kingdom

7 accounts available in the United Kingdom, ranked for the United Kingdom.

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Top cash ISAs compared in the United Kingdom
Order	Account	Score	Features	Key facts	Actions
1	Chip (US)Top pickPartner	9.5/10	No monthly fee	Headline rate: 4.5% Rate type: Variable Deposit protection: FSCS up to GBP 85,000	Review CompareSee alternatives
2	ChipPartner Smart Cash ISA new customer rate boost: 4.50% AER (variable tracker) for 12 months	9.2/10	No monthly fee	Headline rate: 4.5% Rate type: Variable Minimum deposit: £1	Review CompareSee alternatives
3	MoneyfarmPartner Boosted first-year Cash ISA rate: 3.87% AER (variable) for the first 12 months, then 3.57% AER (variable)	8.9/10	No monthly fee	Headline rate: 3.87% Rate type: Variable Minimum deposit: £500	Review CompareSee alternatives
4	Tandem BankPartner	8.9/10		Headline rate: 4% Rate type: Variable Deposit protection: FSCS up to GBP 85,000	Review CompareSee alternatives
5	Trading 212Partner Cash ISA promotional rate (UK)	8.8/10	No monthly fee	Rate type: Variable Deposit protection: FSCS up to GBP 85,000 Access terms: Flexible Cash ISA with instant access; withdraw and add money at any time, interest paid monthly	Review CompareSee alternatives
6	MoneyboxPartner Introductory bonus rate on the Moneybox Cash ISA: +0.55% AER for the first 12 months, giving 4.00% AER (variable) total	8.7/10	No monthly fee	Headline rate: 4% Rate type: Variable Minimum deposit: £500	Review CompareSee alternatives
7	Scottish FriendlyPartner	Not rated		Minimum deposit: £100 Access terms: Stop, restart, increase or decrease payments anytime Account kind: ISA	Review CompareSee alternatives