Best easy access Cash ISAs (October 2026)

Here are the best easy access ISAs available at the moment with today’s highest rates

Easy access ISAs let you can save using your annual ISA allowance, but you’re able to withdraw the money without restrictions. 

Here are the top easy access Cash ISAs on the market at the moment. If you’re looking for fixed-term Cash ISAs, we have a separate page of the best paying fixed ISAs. 

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Best easy access Cash ISAs

Easy access Cash ISAs

eToro Cash ISA

Customer rating 3.8/5

Editor's comment

“

This isn't a standard Cash ISA - the money is held in a Qualifying Money Market Fund rather than as cash, so it's a low-risk investment. This means that the FSCS protection is different, as it's got investment protection rather than savings protection. It's worth researching QMMFs to see how you feel about the account. ”

• AER (variable)

  4.87%
• Minimum

  £500
• Access

  Limited access
• Maximum withdrawals

  3

Rate includes a 1% boost on top of the standard introductory variable rate, paid after 12 months

• FSCS Protected? Yes, although as the money is held in Qualifying Money Market Funds (QMMFs), it's covered by the FSCS investment protection, not deposit protection. QMMFs are a type of low-risk investment.
• Allows transfers in? Yes
• Flexible ISA Yes
• Important details Variable rate correct as of 3 August 2026. eToro account required. Your capital is at risk. ISA powered by Moneyfarm. ISA rules. UK residents only. The Cash ISA interest rate is variable and linked to the secure and protected Qualifying Money Market Fund (QMMF) your money is held in.
• Bonus Rate includes a 1% boost on top of the standard introductory variable rate (3.87%), paid after 12 months

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Trading 212 Cash ISA

Customer rating 4.7/5

• AER (variable)

  4.8%
• Minimum

  £1
• Access

  Full access

Includes bonus of 1.2% for 12 months

• Important details Existing Trading 212 customers get a rate of 3.6%
• FSCS Protected? Yes
• Allows transfers in? Yes, but no bonus rate on transfers
• Flexible ISA Yes
• Bonus New Trading 212 customers get a bonus of 1.2% AER for 12 months for current year subscriptions with a yearly gross rate of 4.7%.

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Ecology Building Society Double Access Cash ISA

Customer rating 4.9/5

• AER

  4.65%
• Minimum

  £50
• Access

  Limited access
• Maximum withdrawals

  2 per year

• FSCS Protected? Yes
• Withdrawals allowed 2 withdrawals allowed per calendar year

Chip Cash ISA

Customer rating 4.9/5

• AER (variable)

  4.6%
• Minimum

  £1
• Access

  Full access

Rate includes 1.06% bonus for 12 months

• FSCS Protected? Yes
• Allows transfers in? Yes
• Bonus Rate includes 1.06% bonus for 12 months

Moneybox Cash ISA

Customer rating 4.8/5

• AER (variable)

  4.53%
• Minimum

  £500
• Access

  Limited access
• Maximum withdrawals

  3

Rate includes 1.04% bonus for 12 months

• FSCS Protected? Yes
• Bonus Rate includes 1.04% bonus for 12 months
• Allows transfers in? Yes
• Flexible ISA No
• Access Can be opened and managed using the Moneybox app and on the website

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Hargreaves Lansdown Cash ISA

Customer rating 4.3/5

• AER (variable)

  4.52%
• Minimum

  £1
• Access

  Full access

• FSCS Protected? Yes
• Transfer in existing ISA? No

Progressive Building Society 1 Year Double Access Cash ISA

Customer rating 4.1/5

• AER (variable)

  4.5%
• Minimum

  £1
• Access

  Limited access
• Maximum withdrawals

  2

• FSCS Protected? Yes
• Withdrawals allowed Up to 2 withdrawals per tax year
• Transfer in existing ISA? Yes

Other ISA best rates

You can also get fixed rate cash ISAs. With these, you lock your money away for a set period in exchange for a slightly better interest rate. The rate is locked in as well, so you won’t be impacted by rates changing.  There are also other types of ISA, including Stocks & Shares ISAs, Junior ISAs and Lifetime ISAs.

The best Fixed Cash ISA savings accounts

Check out our list of the highest paying fixed Cash ISAs

The best Stocks & Shares ISAs

Check out our list of the cheapest ISAs for investments

How do the rates for easy-access Cash ISAs work?

Easy-access Cash ISAs have a variable rate. This means the rate can change at any time, although there may be a fixed bonus on top of the underlying rate. 

Watch out too for short welcome bonuses, though. These tend to make it seem like a rate is significantly better than it is and when these end, you’ll get the underlying rate which might be far lower than other options out there.

What are Cash ISAs?

ISAs, or Individual Savings Accounts, are tax free savings accounts, so you can earn interest on your savings without having to pay any tax on what you earn. They’re a popular choice, but aren’t the only way to earn interest without paying tax and they can still be worth looking at to get the best rates on your cash.

You can add up to £20,000 of new money each financial year across all ISAs you hold, however Lifetime ISAs are limited to £4,000 within that allowance. This £20k limit is known as your ISA allowance, and there are some rules to using one. 

If you plan to move money from an existing ISA, it’s vital you transfer the money to the new ISA rather than withdraw it and then deposit it. Not all accounts allow transfers in, but we’ve included the information in our tables when they do.

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Related Posts:

The best easy-access savings accounts (October 2026)

Best fixed rate ISAs (October 2026)