New issue of the HL Easy Access Cash ISA (powered by Shawbrook) launched today, paying 4.30% AER.
This is a market-leading easy access Cash ISA rate, excluding bonus rates.
Bank of England data shows £12 billion flowed into Cash ISAs in April.
HL Cash ISA assets under administration have risen 88% year on year.
About the new HL Easy Access Cash ISA issue
Term:
Easy access
Rate:
4.30% AER/4.21% gross
Market position:
Market-leading, excluding bonus rates
Maximum deposit:
£20,000
The new issue of the HL Easy Access Cash ISA (powered by Shawbrook) is a new rate being added to HL’s Cash ISA offering. This provides another option to our Cash ISA clients, who have the unique benefit of being able to save across a range of different terms and banks within the same product.
Our Easy Access Cash ISA has been designed with simplicity and competitiveness in mind, combining ease of use with one of the strongest ongoing rates available.
Unlike traditional direct bank offerings, the partnering with Shawbrook allows HL to control the rate on the HL Easy Access Cash ISA, meaning we can offer exclusive rates to clients.
Savers’ money is placed with Shawbrook and still benefits from the £120,000 FSCS protection.
Once clients have opened an HL Cash ISA, they will be able to access this exclusive easy access rate, alongside our other market-leading and exclusive easy access and fixed term rates.
About the HL Cash ISA
The HL Cash ISA is unique in that it allows savers to manage Cash ISAs held with multiple banks and across different terms all within one account, and under the same log in as their investment portfolio. HL is the only provider in the UK that allows savers to select from over 17 banking providers across 28 products, including easy access, limited access and multiple fixed term.
Cash ISA rates (market-leading rates are noted)
Product type | Rate (AER) | Provider |
|---|---|---|
Easy access | 4.30% | HL Easy Access (powered by Shawbrook) – Market Leading, excluding bonus rates, and exclusive to HL |
3-month fixed rate | 3.75% | Chetwood Bank – Market Leading |
6-month fixed rate | 4.10% | Hampshire Trust Bank – Market Leading |
9-month fixed rate | 4.14% | Hampshire Trust Bank – Market Leading |
1-year fixed rate | 4.41% | Atom Bank – Exclusive to HL |
18-month fixed rate | 4.32% | Chetwood – Market Leading and Exclusive to HL |
2-year fixed rate | 4.41% | Atom Bank – Exclusive to HL |
3-year fixed rate | 4.20% | Paragon |
5.-year fixed rate | 4.40% | Chetwood Bank – Exclusive to HL |
Comment below, attributable to Mark Hicks, Commercial Director at Hargreaves Lansdown:
“With the proposed changes to Cash ISA allowances expected in April 2027, savers looking to maximise their allowance this tax year should act now to make the most of their tax-free savings. Our Easy Access Cash ISA helps them do just that, with a new issue offering a market-leading rate of 4.30% AER, excluding bonus rates.
This rate adds another option for HL Cash ISA clients, who have the unique benefit of being able to choose from a range of savings products across different terms and banking partners within a single Cash ISA. HL clients can also manage their savings and investments side by side and move money easily between their Cash ISA and their Stocks and Shares ISA, all under the same account.
Bank of England data shows that £12 billion flowed into Cash ISAs in April alone, highlighting continued demand for tax-efficient savings. This reflects both savers making the most of their allowance at the end of last tax year and those acting early to maximise this year’s allowance. We’re seeing the same trend among our own clients – Cash ISA assets under administration have risen 88% year on year.”
Notes to Editors
HL is the UK’s largest investment and savings platform for private investors and more than 2.2 million clients trust us with £205 billion (as of June 2026).
We help Britain build wealth, with confidence. Our promise is simple: to provide the best products, the best support and the best value. Founded in 1981, we’ve been helping people save and invest for a better financial future for more than four decades. We offer a lifelong, secure home for our clients’ investments and savings, combining great value with outstanding service, to make managing your money easier at every stage of life.
Our award-winning Savings & Resilience Barometer measures the nation’s financial resilience across our 5 to Thrive pillars, equipping people with the tools they need to strengthen their financial futures.
Saving and investing is for the whole family, and to support intergenerational wealth transfer, we’ve removed all platform charges and share dealing fees on our Junior ISA, meaning kids go free, and we’ve reduced the platform fee on our Lifetime ISA to 0.25%, supporting those savings for their first home or for retirement.
Regular saving into all funds, FTSE 350 shares, and selected investment trusts and ETFs is free.
Our clients also have access to the most comprehensive pension and retirement solution, including SIPP accounts, SIPP Income Drawdown, UFPLS payments and annuities, as well as over 14,000 investment options across funds, shares, ETFs, investment trusts, bonds and gilts.
HL Active Savings is the UK's largest retail cash savings platform that lets savers easily make more of their money and the HL Cash ISA allows savers to manage their Cash ISA portfolio across multiple banks, all within one account.