Cash ISA
Earn interest tax-free. Spread your £20,000 ISA allowance across as many banking partners and savings products as you like.
Important information - The information on this page is to help you make your own decisions and is not personal advice. Inflation reduces the future spending power of money. Tax rules for ISAs can change and their benefits depend on your personal circumstances.
You won’t find this Cash ISA anywhere else.
Through one online account, you can pick and choose rates from our range of banking partners. Then switch as much as you like throughout the tax year.
That means you can get your savings to suit your needs, without the hassle of multiple accounts.
Save tax-free in a range of products:
- Fixed rate (fixed rate of interest over a fixed term).
- Easy access (variable rate with flexibility to access your money).
- Limited access (variable rate and limited access to your money).
Latest Cash ISA rates
Products can be added or withdrawn at any time.
AER (Annual Equivalent Rate) shows what the interest rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy and limited access products can vary.
Tax-free interest/profit in the Cash ISA is paid free of UK income tax.
Tax rules can change and their benefits depend on your circumstances.
Tax-free savings
Tax-free savings
The interest on a Cash ISA is tax-free, so all the interest you earn, you keep.
More choice
More choice
Spread money across easy access and fixed rate products in the same tax year. All in one Cash ISA.
One place for saving
One place for saving
Manage all your savings in one place through a single login.
Cash ISA Charges
We don't charge you directly to have a Cash ISA, instead we charge our banking partners. This means the same or similar products offered directly by the banks and building societies may have different interest rates to those available through the HL Cash ISA.
Cash ISA Transfers
You can transfer money from your HL Cash ISA to your HL Stocks and Shares ISA online. Currently, you can't transfer money from other ISAs into your HL Cash ISA.
Cash ISA essentials
What is the ISA allowance?
The ISA allowance is £20,000. Use your ISA allowance by midnight on 5 April 2025.
Can a Cash ISA help you save tax?
All interest you earn within a Cash ISA is free from UK income tax.
Sign up for alerts
Hear when transfers into the Cash ISA are available and when we welcome new banks.
Protecting your money
FSCS protection: Money held in a savings product with one of our banking partners has Financial Services Compensation Scheme (FSCS) protection up to £85,000.
Fully regulated: Our banking partners are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
Safeguarding: Money in the Cash ISA which isn't in a savings product is held in the transaction account. As Hargreaves Lansdown Savings Ltd is not a bank, money in the transaction account is not covered by the FSCS. Instead, it's protected under the Financial Conduct Authority's safeguarding rules.
Account security: Alongside your usual log in details and account encryption technology, we use two-factor authentication with automatic timeouts to help protect you and your money.
Ready to open an account?
Open an HL Cash ISA. Deposit your cash and watch your savings grow.
Insights
Guides and Tools
We've pulled together everything you need to know to make the most from your savings.
Cash ISA FAQs
Learn more about our Cash ISA Account by looking at our frequently asked questions.
Cash ISA alerts
Get updates on the best rates through active savings, cash offers, and more.
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 plc (company number 2122142).