4.52% AER variable market-leading rate up to ยฃ20K: excluding rates with temporary bonuses or withdrawal restrictions*.
Cash ISA
Our new market-leading rate is here
Open a Cash ISA in minutes with the UK's #1 investment and savings platform.
Competitive savings rates from multiple banks in one tax-free account.
Get a market-leading* 4.52% AER (variable) easy access rate and fixed rates of up to 5.05% AER. Maximum deposit limits may apply.
Important information: tax benefits depend on individual circumstances, and rules can change. *You can pay in up to ยฃ20,000 into the 4.52% AER variable market-leading rate. Rates last checked against Moneyfacts on 7 October 2026 at 8.22am.
Important information: tax benefits depend on individual circumstances, and rules can change. *You can pay in up to ยฃ20,000 into the 4.52% AER variable market-leading rate. Rates last checked against Moneyfacts on 7 October 2026 at 8.22am.
What is a Cash ISA?
A Cash ISA is a type of savings account where you pay no UK tax on the interest you earn. You can save up to ยฃ20,000 in the 2026/27 tax year before the allowance falls to ยฃ12,000 for under-65s from 2027/28. With the HL Cash ISA, you can enjoy a range of benefits such as
Great ISA rates
Get consistently competitive easy access and fixed rates.
Multiple banks
Pick, mix and switch between rates from more than 10 banks.
One online account
It's easy to see, manage or withdraw your cash savings with a single login.
Get great rates from up to 20 banks, in one place
It's free to save
We don't charge you to set up, manage or withdraw from an HL Cash ISA. Instead, we charge our banking partners who pay us a percentage fee for every product they have on our platform.
This means equivalent products offered directly by these banks and building societies sometimes have different rates to those available with HL.
The Cash ISA allowance is shrinking
For under 65s, the Cash ISA allowance will reduce from ยฃ20,000 to ยฃ12,000 from 6 April 2027. If you can, now could be a good time to make the most of higher allowances.
Why choose the HL Cash ISA?
Get your cash working harder with the UKโs #1 investment and savings platform.
We offer more fixed rates than any bank
Split your ISA allowance across our Cash ISA and Stocks and Shares ISA
Earn tax-free interest
See your savings and investments in one place
Trusted by 2 million clients
Our clients trust us with over ยฃ172bn of their savings and investments.
Savings protection
All of our partner banks are FSCS protected.
Award-winning service
Over 200 awards, including 'Best Savings Platform 2024'.
How your Cash ISA savings are protected
All of our banking partners are covered by the Financial Services Compensation Scheme (FSCS).
If the banking partner fails, this means up to ยฃ120,000 per banking licence is protected.
Money held outside of savings products offered by our banking partners is protected by Financial Conduct Authority (FCA) safeguarding rules.
Savings, simplified
This isn't your average Cash ISA.
We make it easy for you to switch in and out of different rates, so you can forget the hassle of switching between platforms.
Is a Cash ISA right for you?
Consider opening a Cash ISA if:
You plan to use the money in the next 5 years. For longer-term goals, investing offers a better chance of positive, inflation-beating returns. Read about saving and investing
You want your savings to grow tax-free, without worrying about paying tax on the interest you earn.
Not right for you? Take a look at the HL Stocks and Shares ISA or compare all accounts. Or, if you're still unsure, read our Cash ISA FAQs for more information.
This isnโt personal advice.
Make the switch
Combine existing Cash ISAs to consolidate your savings and manage your money in one place.
Hear Vicky's ISA story
HL client, Vicky, shares what she loves about her HL Cash ISA.
HL client, Vicky, shares what she loves about her HL Cash ISA.
We've won over 200 awards for our services
This website is issued by Hargreaves Lansdown Asset Management Limited (company number 1896481), which is authorised and regulated by the Financial Conduct Authority with firm reference 115248.
The Active Savings service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 915119). Hargreaves Lansdown Savings Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 with firm reference 901007 for the issuing of electronic money.
Hargreaves Lansdown Asset Management Limited and Hargreaves Lansdown Savings Limited are subsidiaries of Hargreaves Lansdown Ltd (company number 2122142).