Cash ISA
Earn interest tax-free. Select savings from our banking partners,
and spread your £20,000 ISA
allowance across multiple products.
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. Fixed rates only offer access at the end of the term. Easy access rates are variable.
You won’t find a Cash ISA like this anywhere else.
Through one online account, you can pick and choose Cash ISA rates from our range of banking partners.
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).
Choose as many products as you like. Switch between banks as your needs change (with easy or limited access products), or when your fixed rate matures.
That means your savings can suit your needs, without the hassle of holding multiple accounts.
How it works
Some of the best rates through HL
Easy access
Pays a variable interest rate. Withdraw money at any time - it usually takes 1 working day.
Limited access
Pays a variable interest rate. Limited number of money withdrawals without penalty.
Fixed rate
Pays a fixed interest rate for the length of the term. Withdraw money at the end of the term.
Up to
A E RUp to
A E RUp to
A E RUp to
A E RProducts pay interest tax free and this rate can differ to the AER. Minimum deposits apply. Frequency of interest payments varies. AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. You could be charged for withdrawing from fixed rate Cash ISAs before the term ends.
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 between your HL Cash ISA and HL Stocks and Shares ISA via your account online. Currently, you cannot transfer ISAs from another provider directly to the HL Cash ISA. But you can transfer to the HL Stocks and Shares ISA first, and then transfer into the 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 2026.
Can a Cash ISA help you save tax?
If you have a cash savings account outside of an ISA, you’ll have to pay tax on any interest you earn above your personal savings allowance.
Sign up for alerts
Be the first to hear when transfers from other providers into the HL Cash ISA become available and when we welcome new banking partners.
Protecting your money
FSCS protected
Money held with one of our banking partners is covered by the Financial Services Compensation Scheme (FSCS). The FSCS will protect your deposits up to £85,000 if the banking partner fails. This limit is per banking licence.
Safeguarding
Money not in a savings product is held by Barclays Bank. Your money is protected under Financial Conduct Authority (FCA) safeguarding rules if HL were to fail and under the FSCS if Barclays were to fail.
Hear why Vicky chose the HL Cash ISA
Vicky talks about her experience with the HL Cash ISA.
Ready to get started?
Open an HL Cash ISA. Deposit your cash and watch your savings grow.
Cash ISA or Active Savings Account?
Not sure what's right for you? Read about our accounts and learn about differences in tax treatments, contribution limits and access to cash.
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).