Cash ISAs for US citizens
Momo checked 37 providers. 37 offer a cash ISA. Of those 37, 28 will take you outright. 9 refuse. Last checked .
You can open a cash ISA as a US citizen. Whether it is worth having is the harder question, because the wrapper is tax-free to HMRC and fully taxable to the IRS.
A cash ISA is a savings account that shelters interest from UK tax. Eligibility is a UK tax residency test with no nationality condition, so a US citizen living here qualifies in law, and most providers say so in plain words: the standard wording asks that you are resident in the UK for tax purposes, and stops there. A few write their rules more tightly, and those are listed below. The widespread belief that an American cannot hold an ISA costs people a working tax wrapper for years, and it is wrong.
Where a provider does refuse, the wording is specific rather than general. TSB is the clearest case: its ISA rules require you to be resident only in the UK for tax purposes, while its ordinary savings terms say no such thing, so the same bank will open you a savings account and turn down the ISA. Chip, Trading 212, Moneybox, Zopa and Moneyfarm bar US persons outright, and Marcus screens out anyone with US tax links.
Two of those refusals are worth reading twice. Moneyfarm publishes its bar in an FAQ rather than in its terms, so the contract alone would tell you the door is open, and its cash ISA holds your money in money market funds rather than on deposit, which makes it a fund holding and a PFIC on your US return even setting the bar aside. Lloyds is the mirror image: its published cash ISA rules carry no US test at all, and neither do its Junior Cash ISA conditions, yet a parent applying for a junior ISA for a US citizen child has been refused at the counter. A yes in the terms is where you start, not where you finish.
The catch is on the other side. The US does not recognise the ISA wrapper: to the IRS a cash ISA is an ordinary foreign account, and the interest is taxable on your US return in the year it is earned, ISA or not. You keep the UK tax break and lose nothing by holding one, but you do not get the tax-free outcome a UK saver enjoys. Every account below pays into that, so compare them the way you would compare ordinary savings. The £20,000 annual allowance applies to all of them. Premium Bonds raise the same split: the prizes are free of UK tax, and with no IRS ruling on them the conservative reading taxes them as gambling winnings. See whether Premium Bonds are tax-free for US citizens.
A junior ISA for a US citizen child is its own question, and the answer is worse than it looks. The UK rules set no nationality test, so in law the child qualifies, but the IRS treats the account as the child's own foreign account from the day it opens: interest is taxable to them each year, the wrapper gives no US relief, and the balance counts towards their FBAR and Form 8938 thresholds long before they are old enough to file. A junior stocks and shares ISA is worse still, because the funds inside are PFICs. Providers are also less consistent here than their published terms suggest, so ask the question in writing before you apply.
For a cash ISA the damage stops at taxable interest. A stocks and shares ISA is where it gets worse, because the funds inside are usually PFICs. See how the US taxes your UK ISA before you decide.
The accounts you can open
Rates as ofEvery account below comes from a provider that will take a US person. Sorted by rate, highest first, and grouped by how you reach the money. Under each institution is where your money sits and how the account is run. The US taxes the interest on all of them as ordinary income.
Easy access
Withdraw whenever you need to. Rates are variable, so they move.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online Updated Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17 | Easy Access Cash ISA Issue 82 (annual interest) (opens in a new tab) | 4.26% AER | variable | £1 | £1,500,000 | Withdraw or transfer out at any time with no notice, though it is not a flexible ISA. Interest paid annually at 4.26% tax-free. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online Updated Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17 | Easy Access Cash ISA Issue 82 (monthly interest) (opens in a new tab) | 4.26% AER | variable | £1 | £1,500,000 | Withdraw or transfer out at any time with no notice, though it is not a flexible ISA. Interest paid monthly at 4.18% tax-free. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom cash ISA terms, 2026-08-17 | Easy Access Cash ISA (opens in a new tab) | 4.25% AER | variable | — | — | No bonus and no reversion rate, but the rate can move at any time, and Atom cannot currently accept transfers in from other providers. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK and AA Savings, which hold the deposits · online, or branch for the fixed rate ISAs Updated Source: Post Office online ISA, 2026-08-17 | Online ISA Easy Access (opens in a new tab) | 4.25% AER then 0.90% | variable | £100 | — | Includes a fixed 3.26% bonus for 12 months, after which it drops sharply. Not a flexible ISA. |
| Principality Building Society FSCS £120,000 · online or branch, and branch-named accounts must be opened in branch Updated Source: Principality savings terms and cash ISA pages, 2026-08-17 | Online Bonus Triple Access Cash ISA (opens in a new tab) | 4.25% AER then 2.35% | variable | £1 | — | Includes a 1.90% bonus for 12 months, then it falls to 2.35%. Three withdrawals a year. |
| Kent Reliance FSCS £120,000 via OneSavings Bank, a separate licence from Charter · branch only while online ISA applications are paused Updated Source: Kent Reliance ISA declaration, 2026-08-17 | Easy access cash ISA (opens in a new tab) | 4.24% AER | variable | £1 | — | Branch customers only, and the headline rate needs £1,000 or more, otherwise 0.10%. |
| Tesco Bank FSCS £120,000 shared with Barclays, since Tesco Bank is a trading name of Barclays Bank UK · online, app or phone Updated Source: Tesco Bank cash ISAs, 2026-08-17 | Instant Access Cash ISA (opens in a new tab) | 4.20% AER then 1.05% | variable | £1 | — | Includes a fixed 3.15% bonus for the first 12 months, after which it drops to the standard rate. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | Online Access Cash ISA (Issue 21) (opens in a new tab) | 4.16% AER | variable | £1,000 | £1,000,000 | Online only, and the opening deposit is the only cheque payment allowed. |
| Cynergy Bank FSCS £120,000 · online, post or phone Updated Source: Cynergy Bank cash ISA terms, 2026-08-17 | Online ISA (opens in a new tab) | 4.15% AER | variable | £1 | — | Deposits and withdrawals go through a nominated account only, and it is not a flexible ISA. |
| Virgin Money FSCS £120,000, shared with Nationwide · online or branch Updated Source: Virgin Money ISA key facts, 2026-08-17 | Double Take E-ISA (opens in a new tab) | 4.15% AER | variable | £1 | — | Two withdrawals a calendar year, then none until January. |
| Yorkshire Building Society FSCS £120,000 · eISA versions online only, plainly named versions branch or post only Updated Source: Yorkshire Building Society cash ISA terms, 2026-08-17 | Four Access eISA (opens in a new tab) 1 year | 4.05% AER | variable | £1 | — | Withdrawals allowed on any four days a year. Online only. |
| Nottingham Building Society FSCS £120,000 · online and app, or branch, though the Annual Allowance ISA is branch only to open Updated Source: Nottingham Building Society cash ISA rules, 2026-08-17 | Annual Allowance ISA (opens in a new tab) | 4.00% AER | variable | £1 | — | Flexible, with unlimited penalty-free withdrawals, but it must be opened in branch. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem cash ISA terms, 2026-08-17 | Instant Access Cash ISA (opens in a new tab) | 4.00% AER then 3.75% | variable | — | £250,000 | Includes a 0.25% bonus for the first 12 months, then it reverts to 3.75%. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | 1 Year Single Access Cash ISA (Issue 6) (opens in a new tab) | 3.90% AER | variable | £1,000 | — | One withdrawal per calendar year, and it opens in branch or by post only. |
| Skipton Building Society FSCS £120,000 · online, app, branch, phone or post Updated Source: Skipton ISA declaration, 2026-08-17 | Two Access Cash ISA Saver (opens in a new tab) | 3.90% AER | variable | £1 | — | Up to two withdrawals a year plus closure. It is a flexible ISA, so money taken out can be paid back in the same tax year. |
| Nottingham Building Society FSCS £120,000 · online and app, or branch, though the Annual Allowance ISA is branch only to open Updated Source: Nottingham Building Society cash ISA rules, 2026-08-17 | Bonus Access ISA (opens in a new tab) | 3.80% AER then 1.70% | variable | £1 | £750,000 | Includes a 2.10% bonus until September 2027, after which it drops to 1.70%. |
| Ford Money FSCS £120,000 · online Updated Source: Ford Money cash ISA pages, 2026-08-17 | Flexible Cash ISA (annual interest) (opens in a new tab) | 3.79% AER | variable | £1 | £2,000,000 | Interest paid yearly at 3.79% gross, into this account, another Ford Money account, or your connected bank account. Unlimited penalty-free withdrawals, and money replaced in the same tax year does not use more allowance. |
| Ford Money FSCS £120,000 · online Updated Source: Ford Money cash ISA pages, 2026-08-17 | Flexible Cash ISA (monthly interest) (opens in a new tab) | 3.79% AER | variable | £1 | £2,000,000 | Interest paid monthly at 3.73% gross, into this account, another Ford Money account, or your connected bank account. Unlimited penalty-free withdrawals, and money replaced in the same tax year does not use more allowance. |
| Skipton Building Society FSCS £120,000 · online, app, branch, phone or post Updated Source: Skipton ISA declaration, 2026-08-17 | Four Access Cash ISA Saver (opens in a new tab) | 3.65% AER | variable | £1 | — | Up to four withdrawals a year plus closure; a fifth is not permitted. |
| Coventry Building Society FSCS £120,000 · online, app, phone, branch or post Updated Source: Coventry cash ISA declaration, 2026-08-17 | 6 Access ISA 1 Year (3) (opens in a new tab) | 3.60% AER | variable | £1 | — | The account lasts 12 months, with six charge-free withdrawals; the seventh and later, including closure, cost 50 days of interest. |
| Yorkshire Building Society FSCS £120,000 · eISA versions online only, plainly named versions branch or post only Updated Source: Yorkshire Building Society cash ISA terms, 2026-08-17 | Easy Access ISA (opens in a new tab) | 3.60% AER | variable | £1 | — | Withdraw as often as you like; flexible, so money replaced in the same tax year does not use more allowance. |
| Paragon Bank FSCS £120,000 · online and post Updated Source: Paragon Bank cash ISAs and general terms, 2026-08-17 | Triple Access Cash ISA (opens in a new tab) | 3.51% AER then 1.25% | variable | £1 | £500,000 | The headline rate holds for up to three withdrawals in twelve months; a fourth drops it to 1.25%. |
| Nationwide FSCS £120,000 · online, app or branch, but new customers must open a fixed rate cash ISA in branch Updated Source: Nationwide ISA declaration, 2026-08-17 | 1 Year Triple Access ISA (opens in a new tab) 1 year | 3.30% AER then 1.05% | variable | £1 | — | Three or fewer withdrawals in the year; a fourth drops the rate to 1.05% for the rest of the term. |
| Skipton Building Society FSCS £120,000 · online, app, branch, phone or post Updated Source: Skipton ISA declaration, 2026-08-17 | Six Access Cash ISA Saver (opens in a new tab) | 3.30% AER | variable | £1 | — | Up to six withdrawals a year plus closure. It is a flexible ISA, so money taken out can be paid back in the same tax year. |
| Virgin Money FSCS £120,000, shared with Nationwide · online or branch Updated Source: Virgin Money ISA key facts, 2026-08-17 | M Access ISA (opens in a new tab) | 3.25% AER | variable | — | — | Open only to holders of a Virgin Money current account. |
| Monzo FSCS £120,000 · app-only Updated Source: Monzo Instant Access Cash ISA eligibility, 2026-09-25 (opens in a new tab) | Select Access Cash ISA (opens in a new tab) | 3.15% AER then 2.60% | variable | £500 | — | Two or fewer withdrawals a year or it drops to 2.60%. A paid plan pays 3.65%. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | Six Access ISA (opens in a new tab) | 3.10% AER | variable | £1,000 | — | Up to six withdrawals per calendar year, and it opens in branch or by post only. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax cash ISAs, 2026-08-17 | ISA Bonus Saver (opens in a new tab) | 3.00% AER | variable | £1 | — | Drops to 0.65% from the month of a third withdrawal in the twelve-month term. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax cash ISAs, 2026-08-17 | ISA Reward Bonus Saver (opens in a new tab) | 3.00% AER | variable | £1 | — | Needs a qualifying Halifax current account. Drops to 0.65% from the month of a third withdrawal until the end of the account year. |
| HSBC FSCS £120,000, shared with First Direct and M&S Bank · online, app, phone or branch Updated Source: HSBC cash ISA, 2026-08-17 | Loyalty Cash ISA (opens in a new tab) | 3.00% AER | variable | £1 | — | Top rate needs an HSBC Premier current account; other HSBC customers get 2.50%. |
| Lloyds Bank FSCS £120,000 · online, app, phone or branch Updated Source: Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24 | Club Lloyds Advantage ISA Saver (opens in a new tab) | 3.00% AER | variable | £1 | — | Needs a qualifying Club Lloyds current account and no more than two withdrawals a year, otherwise 0.65%. |
| Lloyds Bank FSCS £120,000 · online, app, phone or branch Updated Source: Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24 | Limited Access ISA (opens in a new tab) | 3.00% AER | variable | £1 | — | Top rate only with 2 or fewer withdrawals a year; a third drops you to 0.65%. Becomes an Instant Cash ISA after a year. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK and AA Savings, which hold the deposits · online, or branch for the fixed rate ISAs Updated Source: Post Office online ISA, 2026-08-17 | Easy Access Cash ISA (opens in a new tab) | 3.00% AER then 0.90% AER | variable | £100 | — | Branch or post only to open, and managed by phone or post rather than online. Includes a fixed 2.10% bonus for 12 months, after which it drops to 0.90%. |
| Barclays FSCS £120,000 · online, app, phone or branch Updated Source: Barclays cash ISAs, 2026-08-17 | Reward ISA (opens in a new tab) | 2.75% AER | variable | £1 | £10,000,000 | Drops to 0.85% in any month you make a withdrawal. |
| Monzo FSCS £120,000 · app-only Updated Source: Monzo Instant Access Cash ISA eligibility, 2026-09-25 (opens in a new tab) | Instant Access Cash ISA (opens in a new tab) | 2.75% AER | variable | — | — | Standard rate on a free account; paid plans pay up to 3.50%. |
| Starling Bank FSCS £120,000 · app-only Updated Source: Starling help: who can apply for a Starling Cash ISA, 2026-09-25 (opens in a new tab) | Cash ISA (opens in a new tab) | 2.50% AER | variable | — | — | Needs an open Starling personal account; interest is paid monthly. |
| NatWest FSCS £120,000, shared with Ulster Bank · online, app, phone or branch Updated Source: NatWest cash ISA information sheet, 2026-08-17 | Cash ISA (opens in a new tab) | 2.45% AER | variable | — | — | Needs a NatWest current account, and the top rate needs £25,000 or more, otherwise 1.15%. |
| Skipton Building Society FSCS £120,000 · online, app, branch, phone or post Updated Source: Skipton ISA declaration, 2026-08-17 | Cash ISA Saver (opens in a new tab) | 2.05% AER | variable | £1 | — | Withdrawals permitted without a limit. It is a flexible ISA, so money taken out can be paid back in the same tax year. |
| Coventry Building Society FSCS £120,000 · online, app, phone, branch or post Updated Source: Coventry cash ISA declaration, 2026-08-17 | Easy Access ISA (12) (opens in a new tab) | 2.00% AER | variable | £1 | — | A flexible ISA; take money out whenever you wish with no charge. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander ISA key facts, 2026-08-17 | Easy Access ISA (Issue 27) (opens in a new tab) | 2.00% AER | variable | £500 | £2,000,000 | Runs for 12 months, then the balance moves to an ISA Saver at a rate confirmed nearer the time. |
| The Co-operative Bank FSCS £120,000 · online or branch Updated Source: The Co-operative Bank cash ISA key features, 2026-08-17 | Online Cash ISA (opens in a new tab) | 2.00% AER | variable | £1 | £1,000,000 | Open only to Co-operative Bank current account holders. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | ISA Saver (opens in a new tab) | 1.45% AER | variable | £1 | — | Unlimited withdrawals, but it opens in branch or by post only. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | E-ISA (opens in a new tab) | 1.45% AER | variable | £1 | — | Online only, with unlimited withdrawals. |
| The Co-operative Bank FSCS £120,000 · online or branch Updated Source: The Co-operative Bank cash ISA key features, 2026-08-17 | Cash ISA (opens in a new tab) | 1.40% AER | variable | — | — | Instant access cash ISA, managed online, in the app, by phone or in branch. |
| Barclays FSCS £120,000 · online, app, phone or branch Updated Source: Barclays cash ISAs, 2026-08-17 | Instant Cash ISA (opens in a new tab) | 1.00% AER | variable | — | — | Unlimited withdrawals, and the rate applies to the whole balance. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax cash ISAs, 2026-08-17 | ISA Saver Variable (opens in a new tab) | 1.00% AER | variable | £1 | — | The top rate needs £100,000 or more; £25,000 or more earns 0.90% and less than that 0.75%, on the whole balance. It becomes an Instant ISA Saver after 12 months. |
| Lloyds Bank FSCS £120,000 · online, app, phone or branch Updated Source: Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24 | Cash ISA Saver (opens in a new tab) | 1.00% AER | variable | £1 | — | The top rate needs £100,000 or more; £25,000 or more earns 0.90% and less than that 0.75%. A Club Lloyds, Premier or Private Banking current account adds 0.20%, and it becomes an Instant Cash ISA after a year. |
| Metro Bank FSCS £120,000 · online or in store Updated Source: Metro Bank cash ISA terms, 2026-08-17 | Instant Access Cash ISA (opens in a new tab) | 0.90% AER | variable | £1 | — | You must supply a National Insurance number within 30 days or it converts to an ordinary savings account. |
Notice accounts
Higher rates in exchange for giving notice before you withdraw.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Paragon Bank FSCS £120,000 · online and post Updated Source: Paragon Bank cash ISAs and general terms, 2026-08-17 | 40 Day Notice Cash ISA (opens in a new tab) | 3.65% AER | variable | £500 | £500,000 | Unlimited withdrawals on 40 days notice, and it is a flexible ISA. |
Fixed term
Pay in a lump sum once, then the rate and your money are both locked until the term ends. This is where a large balance goes.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Close Brothers Savings FSCS £120,000 · online and post · fixed rate only Updated Source: Close Brothers fixed rate cash ISA, 2026-08-17 | 5 Year Fixed Rate Cash ISA (opens in a new tab) 5 years | 5.10% AER | fixed | £10,000 | £2,000,000 | No withdrawals during the term, and early closure carries an interest charge. |
| Close Brothers Savings FSCS £120,000 · online and post · fixed rate only Updated Source: Close Brothers fixed rate cash ISA, 2026-08-17 | 3 Year Fixed Rate Cash ISA (opens in a new tab) 3 years | 5.01% AER | fixed | £10,000 | £2,000,000 | Fund it within 10 days of acceptance; no withdrawals during the term, and closing early after 14 days carries a fee. |
| Close Brothers Savings FSCS £120,000 · online and post · fixed rate only Updated Source: Close Brothers fixed rate cash ISA, 2026-08-17 | 2 Year Fixed Rate Cash ISA (opens in a new tab) 2 years | 5.00% AER | fixed | £10,000 | £2,000,000 | No withdrawals during the term, and early closure carries an interest charge. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online Updated Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17 | 3 Year Fixed Rate Cash ISA (annual interest) (opens in a new tab) 3 years | 4.96% AER | fixed | £5,000 | £1,500,000 | Limited issue; fund within 30 days, and withdrawals cost 270 days of interest and cannot take the balance below £5,000. Interest paid annually at 4.83% tax-free. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online Updated Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17 | 3 Year Fixed Rate Cash ISA (monthly interest) (opens in a new tab) 3 years | 4.96% AER | fixed | £5,000 | £1,500,000 | Limited issue; fund within 30 days, and withdrawals cost 270 days of interest and cannot take the balance below £5,000. Interest paid monthly at 4.73% tax-free. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem cash ISA terms, 2026-08-17 | 5 Year Fixed Rate Cash ISA (opens in a new tab) 5 years | 4.93% AER | fixed | — | £250,000 | Fund it within 14 days; closing early after the cooling-off period costs 365 days of interest. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online Updated Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17 | 2 Year Fixed Rate Cash ISA (annual interest) (opens in a new tab) 2 years | 4.91% AER | fixed | £5,000 | £1,500,000 | Limited issue; fund within 30 days, and withdrawals cost 180 days of interest and cannot take the balance below £5,000. Interest paid annually at 4.81% tax-free. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online Updated Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17 | 2 Year Fixed Rate Cash ISA (monthly interest) (opens in a new tab) 2 years | 4.91% AER | fixed | £5,000 | £1,500,000 | Limited issue; fund within 30 days, and withdrawals cost 180 days of interest and cannot take the balance below £5,000. Interest paid monthly at 4.71% tax-free. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem cash ISA terms, 2026-08-17 | 2 Year Fixed Rate Cash ISA (opens in a new tab) 2 years | 4.87% AER | fixed | — | £250,000 | Closing early after the cooling-off period costs 180 days of interest. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem cash ISA terms, 2026-08-17 | 3 Year Fixed Rate Cash ISA (opens in a new tab) 3 years | 4.85% AER | fixed | — | £250,000 | Fund it within 14 days; closing early after the cooling-off period costs 270 days of interest. |
| Close Brothers Savings FSCS £120,000 · online and post · fixed rate only Updated Source: Close Brothers fixed rate cash ISA, 2026-08-17 | 1 Year Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.84% AER | fixed | £10,000 | £2,000,000 | Fund it within 10 days of acceptance; no withdrawals during the term. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online Updated Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17 | 1 Year Fixed Rate Cash ISA (annual interest) (opens in a new tab) 1 year | 4.81% AER | fixed | £5,000 | £1,500,000 | Limited issue; fund within 30 days, and withdrawals cost 90 days of interest and cannot take the balance below £5,000. Interest paid annually at 4.74% tax-free. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online Updated Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17 | 1 Year Fixed Rate Cash ISA (monthly interest) (opens in a new tab) 1 year | 4.81% AER | fixed | £5,000 | £1,500,000 | Limited issue; fund within 30 days, and withdrawals cost 90 days of interest and cannot take the balance below £5,000. Interest paid monthly at 4.64% tax-free. |
| Nottingham Building Society FSCS £120,000 · online and app, or branch, though the Annual Allowance ISA is branch only to open Updated Source: Nottingham Building Society cash ISA rules, 2026-08-17 | 5 Year Fixed Rate ISA (opens in a new tab) to October 2031 | 4.80% AER | fixed | £1 | £750,000 | No withdrawals until 30 October 2031, and transferring out before then costs 365 days' interest. |
| Skipton Building Society FSCS £120,000 · online, app, branch, phone or post Updated Source: Skipton ISA declaration, 2026-08-17 | 5 Year Fixed Rate Cash ISA (opens in a new tab) 5 years | 4.77% AER | fixed | £1 | — | No withdrawals during the term, and early closure costs 365 days of interest. |
| Skipton Building Society FSCS £120,000 · online, app, branch, phone or post Updated Source: Skipton ISA declaration, 2026-08-17 | 18 Month Fixed Rate Cash ISA (opens in a new tab) 18 months | 4.76% AER | fixed | £1 | — | No withdrawals during the term, and early closure costs 90 days of interest. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem cash ISA terms, 2026-08-17 | 1 Year Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.76% AER | fixed | — | £250,000 | Closing early after the cooling-off period costs 90 days of interest. |
| Cynergy Bank FSCS £120,000 · online, post or phone Updated Source: Cynergy Bank cash ISA terms, 2026-08-17 | 2 Year Fixed Rate Cash ISA (opens in a new tab) 2 years | 4.75% AER | fixed | £500 | — | Early closure costs 180 days of interest; customers of six months or more get a slightly better loyalty rate. |
| Skipton Building Society FSCS £120,000 · online, app, branch, phone or post Updated Source: Skipton ISA declaration, 2026-08-17 | 3 Year Fixed Rate Cash ISA (opens in a new tab) 3 years | 4.72% AER | fixed | £1 | — | No withdrawals during the term, and early closure costs 240 days of interest. |
| Nationwide FSCS £120,000 · online, app or branch, but new customers must open a fixed rate cash ISA in branch Updated Source: Nationwide ISA declaration, 2026-08-17 | 5 year Fixed Rate Cash ISA (opens in a new tab) 5 years | 4.70% AER | fixed | £1 | — | Single funding window at application, and early closure carries an interest charge. |
| Kent Reliance FSCS £120,000 via OneSavings Bank, a separate licence from Charter · branch only while online ISA applications are paused Updated Source: Kent Reliance ISA declaration, 2026-08-17 | Two year fixed rate cash ISA (opens in a new tab) 2 years | 4.68% AER | fixed | £1,000 | — | Branch customers only, and early access carries a charge. |
| Cynergy Bank FSCS £120,000 · online, post or phone Updated Source: Cynergy Bank cash ISA terms, 2026-08-17 | 1 Year Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.67% AER | fixed | £500 | — | Early closure costs 180 days of interest. |
| Nationwide FSCS £120,000 · online, app or branch, but new customers must open a fixed rate cash ISA in branch Updated Source: Nationwide ISA declaration, 2026-08-17 | 3 year Fixed Rate Cash ISA (opens in a new tab) 3 years | 4.65% AER | fixed | £1 | — | Single funding window at application, and early closure carries an interest charge. |
| Nottingham Building Society FSCS £120,000 · online and app, or branch, though the Annual Allowance ISA is branch only to open Updated Source: Nottingham Building Society cash ISA rules, 2026-08-17 | 1 Year Fixed Rate ISA (opens in a new tab) to October 2027 | 4.65% AER | fixed | £1 | £750,000 | No withdrawals until 1 November 2027, and transferring out before then costs 90 days' interest. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander ISA key facts, 2026-08-17 | 3 Year Fixed Rate ISA (opens in a new tab) 3 years | 4.65% AER | fixed | £500 | — | Withdrawing means closing the account and costs 120 days of interest. |
| Kent Reliance FSCS £120,000 via OneSavings Bank, a separate licence from Charter · branch only while online ISA applications are paused Updated Source: Kent Reliance ISA declaration, 2026-08-17 | Three year fixed rate cash ISA (opens in a new tab) 3 years | 4.60% AER | fixed | £1,000 | — | Branch customers only, and early access carries a charge. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | 5 Year Fixed Rate Cash ISA (Issue 179) (annual interest) (opens in a new tab) 5 years | 4.60% AER | fixed | £100 | £1,000,000 | Withdrawals cost 365 days' interest. Interest paid annually. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | 5 Year Fixed Rate Cash ISA (Issue 179) (monthly interest) (opens in a new tab) 5 years | 4.60% AER | fixed | £100 | £1,000,000 | Withdrawals cost 365 days' interest. Interest paid monthly at the same 4.60% AER/tax-free; Leeds sells this as a separate Fixed Rate Monthly Income Cash ISA (Issue 20). |
| Principality Building Society FSCS £120,000 · online or branch, and branch-named accounts must be opened in branch Updated Source: Principality savings terms and cash ISA pages, 2026-08-17 | 1 Year Fixed Rate Cash ISA (annual interest) (opens in a new tab) 1 year | 4.60% AER | fixed | £500 | — | Interest paid annually at 4.50% tax-free. Early closure costs 90 days of interest, and you must keep the £500 minimum. |
| Principality Building Society FSCS £120,000 · online or branch, and branch-named accounts must be opened in branch Updated Source: Principality savings terms and cash ISA pages, 2026-08-17 | 1 Year Fixed Rate Cash ISA (monthly interest) (opens in a new tab) 1 year | 4.60% AER | fixed | £500 | — | Interest paid monthly at 4.41% tax-free (4.50% AER). Early closure costs 90 days of interest, and you must keep the £500 minimum. |
| Barclays FSCS £120,000 · online, app, phone or branch Updated Source: Barclays cash ISAs, 2026-08-17 | Premier Triple Access 1-Year Flexible Cash ISA (opens in a new tab) 1 year | 4.55% AER | fixed | — | — | Only for Barclays Premier Banking customers. Limited withdrawals during the term. |
| Barclays FSCS £120,000 · online, app, phone or branch Updated Source: Barclays cash ISAs, 2026-08-17 | Premier Triple Access 2-Year Flexible Cash ISA (opens in a new tab) 2 years | 4.55% AER | fixed | — | — | Only for Barclays Premier Banking customers. Limited withdrawals during the term. |
| Barclays FSCS £120,000 · online, app, phone or branch Updated Source: Barclays cash ISAs, 2026-08-17 | Premier Triple Access 3-Year Flexible Cash ISA (opens in a new tab) 3 years | 4.55% AER | fixed | — | — | Only for Barclays Premier Banking customers. Limited withdrawals during the term. |
| Nationwide FSCS £120,000 · online, app or branch, but new customers must open a fixed rate cash ISA in branch Updated Source: Nationwide ISA declaration, 2026-08-17 | 2 year Fixed Rate Cash ISA (opens in a new tab) 2 years | 4.55% AER | fixed | £1 | — | Fund it during the application; you cannot top it up later, and closing early costs 120 days of interest. New Nationwide customers must apply in branch. |
| Principality Building Society FSCS £120,000 · online or branch, and branch-named accounts must be opened in branch Updated Source: Principality savings terms and cash ISA pages, 2026-08-17 | 2 Year Fixed Rate Cash ISA (annual interest) (opens in a new tab) 2 years | 4.55% AER | fixed | £500 | — | Interest paid annually at 4.35% tax-free. Early closure costs 180 days of interest. |
| Principality Building Society FSCS £120,000 · online or branch, and branch-named accounts must be opened in branch Updated Source: Principality savings terms and cash ISA pages, 2026-08-17 | 2 Year Fixed Rate Cash ISA (monthly interest) (opens in a new tab) 2 years | 4.55% AER | fixed | £500 | — | Interest paid monthly at 4.27% tax-free (4.35% AER). Early closure costs 180 days of interest. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | 1 Year Fixed Rate Cash ISA (Issue 240) (annual interest) (opens in a new tab) 1 year | 4.50% AER | fixed | £100 | £1,000,000 | Withdrawals cost 90 days' interest. Interest paid annually. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | 2 Year Fixed Rate Cash ISA (Issue 228) (annual interest) (opens in a new tab) 2 years | 4.50% AER | fixed | £100 | — | Withdrawals cost 180 days' interest. Interest paid annually. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | 3 Year Fixed Rate Cash ISA (Issue 184) (annual interest) (opens in a new tab) 3 years | 4.50% AER | fixed | £100 | — | Withdrawals cost 270 days' interest. Interest paid annually. |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | 1 Year Fixed Rate Cash ISA (Issue 240) (monthly interest) (opens in a new tab) 1 year | 4.50% AER | fixed | £100 | £1,000,000 | Withdrawals cost 90 days' interest. Interest paid monthly at the same 4.50% AER/tax-free; Leeds sells this as a separate Fixed Rate Monthly Income Cash ISA (Issue 20). |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | 2 Year Fixed Rate Cash ISA (Issue 228) (monthly interest) (opens in a new tab) 2 years | 4.50% AER | fixed | £100 | £1,000,000 | Withdrawals cost 180 days' interest. Interest paid monthly at the same 4.50% AER/tax-free; Leeds sells this as a separate Fixed Rate Monthly Income Cash ISA (Issue 18). |
| Leeds Building Society FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only Updated Source: Leeds Building Society cash ISAs, 2026-08-17 | 3 Year Fixed Rate Cash ISA (Issue 184) (monthly interest) (opens in a new tab) 3 years | 4.50% AER | fixed | £100 | £1,000,000 | Withdrawals cost 270 days' interest. Interest paid monthly at the same 4.50% AER/tax-free; Leeds sells this as a separate Fixed Rate Monthly Income Cash ISA (Issue 18). |
| Nationwide FSCS £120,000 · online, app or branch, but new customers must open a fixed rate cash ISA in branch Updated Source: Nationwide ISA declaration, 2026-08-17 | 1 year Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.50% AER | fixed | £1 | — | Fund it during the application; you cannot top it up later, and withdrawing early means closing it. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK and AA Savings, which hold the deposits · online, or branch for the fixed rate ISAs Updated Source: Post Office online ISA, 2026-08-17 | Online ISA 1 Year Fixed Rate Issue 62 (opens in a new tab) 1 year | 4.50% AER | fixed | £500 | — | Single deposit only, and early access closes the product and costs 90 days of interest. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander ISA key facts, 2026-08-17 | 1 Year Fixed Rate ISA (opens in a new tab) 1 year | 4.50% AER | fixed | £500 | — | Withdrawing means closing the account and costs 120 days of interest. |
| Skipton Building Society FSCS £120,000 · online, app, branch, phone or post Updated Source: Skipton ISA declaration, 2026-08-17 | 2 Year Fixed Rate Cash ISA (opens in a new tab) 2 years | 4.50% AER | fixed | £1 | — | No withdrawals during the term, and early closure costs 180 days of interest. |
| Yorkshire Building Society FSCS £120,000 · eISA versions online only, plainly named versions branch or post only Updated Source: Yorkshire Building Society cash ISA terms, 2026-08-17 | Fixed Rate Cash eISA to 2029 (opens in a new tab) to September 2029 | 4.50% AER | fixed | £100 | — | No withdrawals until maturity, and closing earlier costs 270 days of interest. |
| Virgin Money FSCS £120,000, shared with Nationwide · online or branch Updated Source: Virgin Money ISA key facts, 2026-08-17 | 1 Year Fixed Rate Cash E-ISA (opens in a new tab) 1 year | 4.41% AER | fixed | £1 | — | Fixed for the term; withdrawals are allowed but cost 60 days of interest. |
| Barclays FSCS £120,000 · online, app, phone or branch Updated Source: Barclays cash ISAs, 2026-08-17 | Single Access 2-Year Flexible Cash ISA (opens in a new tab) 2 years | 4.40% AER | fixed | £1 | £1,000,000 | One withdrawal of up to 10% of the balance during the term. |
| Barclays FSCS £120,000 · online, app, phone or branch Updated Source: Barclays cash ISAs, 2026-08-17 | Single Access 1-Year Flexible Cash ISA (opens in a new tab) 1 year | 4.40% AER | fixed | £1 | £1,000,000 | One withdrawal of up to 10% of the balance during the term. |
| Paragon Bank FSCS £120,000 · online and post Updated Source: Paragon Bank cash ISAs and general terms, 2026-08-17 | 1 Year Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.40% AER | fixed | £500 | £500,000 | Fund within 28 days of applying; withdrawals and transfers out cost 90 days of interest. |
| Tesco Bank FSCS £120,000 shared with Barclays, since Tesco Bank is a trading name of Barclays Bank UK · online, app or phone Updated Source: Tesco Bank cash ISAs, 2026-08-17 | Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.40% AER | fixed | £1 | — | Deposits must be made within the first 30 days, and transferring out early costs 90 days of interest. |
| Yorkshire Building Society FSCS £120,000 · eISA versions online only, plainly named versions branch or post only Updated Source: Yorkshire Building Society cash ISA terms, 2026-08-17 | Fixed Rate Cash eISA to 2027 (opens in a new tab) to September 2027 | 4.40% AER | fixed | £100 | — | No withdrawals until maturity, and closing earlier costs 90 days of interest. |
| NatWest FSCS £120,000, shared with Ulster Bank · online, app, phone or branch Updated Source: NatWest cash ISA information sheet, 2026-08-17 | Fixed Rate ISA (opens in a new tab) 1 or 2 years | 4.25% AER | fixed | — | — | Held in your sole name, and early closure charges apply. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK and AA Savings, which hold the deposits · online, or branch for the fixed rate ISAs Updated Source: Post Office online ISA, 2026-08-17 | Online ISA 2 Year Fixed Rate Issue 61 (opens in a new tab) 2 years | 4.25% AER | fixed | £500 | — | Single deposit only, and early access closes the product and costs 180 days of interest. |
| Coventry Building Society FSCS £120,000 · online, app, phone, branch or post Updated Source: Coventry cash ISA declaration, 2026-08-17 | Fixed Rate ISA (341) to 31.12.2029 (opens in a new tab) to December 2029 | 4.20% AER | fixed | £1 | — | After the 14 day cancellation period you cannot take out part of the money, only close the account, and charges apply. |
| Paragon Bank FSCS £120,000 · online and post Updated Source: Paragon Bank cash ISAs and general terms, 2026-08-17 | 2 Year Fixed Rate Cash ISA (opens in a new tab) 2 years | 4.20% AER | fixed | £500 | £500,000 | Fund within 28 days of applying; withdrawals and transfers out cost 180 days of interest. |
| Ford Money FSCS £120,000 · online Updated Source: Ford Money cash ISA pages, 2026-08-17 | Fixed Cash ISA 3 year (annual interest) (opens in a new tab) 3 years | 4.15% AER | fixed | £500 | £2,000,000 | Deposits allowed in the first 21 days only; closing or transferring out early costs 270 days of interest. Interest paid yearly at 4.15% gross, into this account, another Ford Money account, or your connected bank account. |
| Ford Money FSCS £120,000 · online Updated Source: Ford Money cash ISA pages, 2026-08-17 | Fixed Cash ISA 3 year (monthly interest) (opens in a new tab) 3 years | 4.15% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.07% gross, into this account, another Ford Money account, or your connected bank account. Deposits allowed in the first 21 days only; closing or transferring out early costs 270 days of interest. |
| Skipton Building Society FSCS £120,000 · online, app, branch, phone or post Updated Source: Skipton ISA declaration, 2026-08-17 | 1 Year Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.15% AER | fixed | £1 | — | No withdrawals during the term, and early closure costs 60 days of interest. |
| Coventry Building Society FSCS £120,000 · online, app, phone, branch or post Updated Source: Coventry cash ISA declaration, 2026-08-17 | Fixed Rate ISA (340) to 31.12.2028 (opens in a new tab) to December 2028 | 4.10% AER | fixed | £1 | — | After the 14 day cancellation period you cannot take out part of the money, only close the account, and charges apply. |
| Ford Money FSCS £120,000 · online Updated Source: Ford Money cash ISA pages, 2026-08-17 | Fixed Cash ISA 2 year (annual interest) (opens in a new tab) 2 years | 4.10% AER | fixed | £500 | £2,000,000 | Deposits allowed in the first 21 days only; closing or transferring out early costs 180 days of interest. Interest paid yearly at 4.10% gross, into this account, another Ford Money account, or your connected bank account. |
| Ford Money FSCS £120,000 · online Updated Source: Ford Money cash ISA pages, 2026-08-17 | Fixed Cash ISA 2 year (monthly interest) (opens in a new tab) 2 years | 4.10% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.02% gross, into this account, another Ford Money account, or your connected bank account. Deposits allowed in the first 21 days only; closing or transferring out early costs 180 days of interest. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax cash ISAs, 2026-08-17 | ISA Saver Fixed (annual interest) (opens in a new tab) 2 years | 4.10% AER | fixed | £500 | — | No withdrawals, and closing early costs at least 90 days of interest. Interest paid after each year. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax cash ISAs, 2026-08-17 | ISA Saver Fixed (5 year) (annual interest) (opens in a new tab) 5 years | 4.10% AER | fixed | £500 | — | Withdrawals only by closing or transferring the account, and charges apply. Interest paid after each year. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax cash ISAs, 2026-08-17 | ISA Saver Fixed (monthly interest) (opens in a new tab) 2 years | 4.10% AER | fixed | £500 | — | No withdrawals, and closing early costs at least 90 days of interest. Interest paid monthly instead of after each year; Halifax states the same 4.10% AER/tax-free rather than a separate monthly figure. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax cash ISAs, 2026-08-17 | ISA Saver Fixed (5 year) (monthly interest) (opens in a new tab) 5 years | 4.10% AER | fixed | £500 | — | Withdrawals only by closing or transferring the account, and charges apply. Interest paid monthly instead of after each year; Halifax states the same 4.10% AER/tax-free rather than a separate monthly figure. |
| Lloyds Bank FSCS £120,000 · online, app, phone or branch Updated Source: Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24 | 2 Year Fixed Rate Cash ISA (annual interest) (opens in a new tab) 2 years | 4.10% AER | fixed | £500 | — | No withdrawals, and closing early costs 180 days of interest. Interest paid at the end of the term. |
| Lloyds Bank FSCS £120,000 · online, app, phone or branch Updated Source: Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24 | 2 Year Fixed Rate Cash ISA (monthly interest) (opens in a new tab) 2 years | 4.10% AER | fixed | £500 | — | No withdrawals, and closing early costs 180 days of interest. Interest paid monthly instead of at the end of the term; Lloyds states the same 4.10% AER/tax-free rather than a separate monthly figure. |
| The Co-operative Bank FSCS £120,000 · online or branch Updated Source: The Co-operative Bank cash ISA key features, 2026-08-17 | 2 Year Fixed Rate Cash ISA (opens in a new tab) 2 years | 4.09% AER | fixed | £5,000 | £1,000,000 | From £5,000, or £1 if only transferring in previous years' ISAs. Withdrawals during the term cost 120 days of interest. |
| Coventry Building Society FSCS £120,000 · online, app, phone, branch or post Updated Source: Coventry cash ISA declaration, 2026-08-17 | Fixed Rate ISA (339) to 31.12.2027 (opens in a new tab) to December 2027 | 4.00% AER | fixed | £1 | — | After the 14 day cancellation period you cannot take out part of the money, only close the account, and charges apply. |
| Ford Money FSCS £120,000 · online Updated Source: Ford Money cash ISA pages, 2026-08-17 | Fixed Cash ISA 1 year (annual interest) (opens in a new tab) 1 year | 4.00% AER | fixed | £500 | £2,000,000 | Deposits allowed in the first 21 days only; closing or transferring out early costs 90 days of interest. Interest paid yearly at 4.00% gross, into this account, another Ford Money account, or your connected bank account. |
| Ford Money FSCS £120,000 · online Updated Source: Ford Money cash ISA pages, 2026-08-17 | Fixed Cash ISA 1 year (monthly interest) (opens in a new tab) 1 year | 4.00% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 3.93% gross, into this account, another Ford Money account, or your connected bank account. Deposits allowed in the first 21 days only; closing or transferring out early costs 90 days of interest. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax cash ISAs, 2026-08-17 | ISA Saver Fixed (1 year) (annual interest) (opens in a new tab) 1 year | 4.00% AER | fixed | £500 | — | Withdrawals only by closing or transferring the account, and charges apply. Interest paid after each year. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax cash ISAs, 2026-08-17 | ISA Saver Fixed (1 year) (monthly interest) (opens in a new tab) 1 year | 4.00% AER | fixed | £500 | — | Withdrawals only by closing or transferring the account, and charges apply. Interest paid monthly instead of after each year; Halifax states the same 4.00% AER/tax-free rather than a separate monthly figure. |
| HSBC FSCS £120,000, shared with First Direct and M&S Bank · online, app, phone or branch Updated Source: HSBC cash ISA, 2026-08-17 | Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.00% AER | fixed | £500 | — | Deposits within a 30 day window, and any withdrawal closes the account and triggers a fee. |
| Lloyds Bank FSCS £120,000 · online, app, phone or branch Updated Source: Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24 | 1 Year Fixed Rate Cash ISA (annual interest) (opens in a new tab) 1 year | 4.00% AER | fixed | £500 | — | No withdrawals, and closing early costs 90 days of interest. Interest paid at the end of the term. Get an extra 0.20% AER/tax-free with a Lloyds Premier current account open at least 8 days. |
| Lloyds Bank FSCS £120,000 · online, app, phone or branch Updated Source: Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24 | 1 Year Fixed Rate Cash ISA (monthly interest) (opens in a new tab) 1 year | 4.00% AER | fixed | £500 | — | No withdrawals, and closing early costs 90 days of interest. Interest paid monthly instead of at the end of the term; Lloyds states the same 4.00% AER/tax-free rather than a separate monthly figure. Get an extra 0.20% AER/tax-free with a Lloyds Premier current account open at least 8 days. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK and AA Savings, which hold the deposits · online, or branch for the fixed rate ISAs Updated Source: Post Office online ISA, 2026-08-17 | 1 Year Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.00% AER | fixed | £500 | — | Branch or post only to open, one single deposit, and no further deposits or withdrawals during the term. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK and AA Savings, which hold the deposits · online, or branch for the fixed rate ISAs Updated Source: Post Office online ISA, 2026-08-17 | 2 Year Fixed Rate Cash ISA (opens in a new tab) 2 years | 4.00% AER | fixed | £500 | — | Branch or post only to open, one single deposit, and no further deposits or withdrawals during the term. |
| The Co-operative Bank FSCS £120,000 · online or branch Updated Source: The Co-operative Bank cash ISA key features, 2026-08-17 | 1 Year Fixed Rate Cash ISA (opens in a new tab) 1 year | 4.00% AER | fixed | £5,000 | £1,000,000 | From £5,000, or £1 if only transferring in previous years' ISAs. Withdrawals during the term cost 90 days of interest. |
| Metro Bank FSCS £120,000 · online or in store Updated Source: Metro Bank cash ISA terms, 2026-08-17 | 3 Year Fixed Rate Cash ISA (opens in a new tab) 3 years | 3.65% AER | fixed | £1 | — | Transfers in are allowed in the first 30 days only, and closing early costs 180 days of interest. |
| Metro Bank FSCS £120,000 · online or in store Updated Source: Metro Bank cash ISA terms, 2026-08-17 | 5 Year Fixed Rate Cash ISA (opens in a new tab) 5 years | 3.65% AER | fixed | £1 | — | You can pay in or transfer in only in the first 30 days, and closing early costs 180 days of interest. |
| Metro Bank FSCS £120,000 · online or in store Updated Source: Metro Bank cash ISA terms, 2026-08-17 | 1 Year Fixed Rate Cash ISA (opens in a new tab) 1 year | 3.60% AER | fixed | £1 | — | Transfers in are allowed in the first 30 days only, and closing early costs 180 days of interest. |
| Metro Bank FSCS £120,000 · online or in store Updated Source: Metro Bank cash ISA terms, 2026-08-17 | 2 Year Fixed Rate Cash ISA (opens in a new tab) 2 years | 3.60% AER | fixed | £1 | — | You can pay in or transfer in only in the first 30 days, and closing early costs 180 days of interest. |
An institution's name opens its page on Momo, with every account checked for it across the site. Account names link to the provider's own site. No link on this page is paid. How Momo makes money.
Who will not take you
Checked and confirmed to refuse US persons, so you can skip the application. The reason matters: some bar US citizenship outright, others require that you are tax resident in the UK and nowhere else.
| Institution | Why | Updated |
|---|---|---|
| Buckinghamshire Building Society Buckinghamshire Building Society's own site (opens in a new tab) | The cash ISA application form carries the same question as the savings range, asking whether you are a citizen and tax resident of the UK only, and states that accounts cannot be opened for anyone holding tax residency in another country. A US citizen always holds US tax residency. The wrapper would give no US relief in any case, because the IRS does not recognise it and taxes the interest as ordinary income. Source: Buckinghamshire Building Society Cash ISA Easy Access Tracker application form, 2026-09-07 (opens in a new tab) | |
| Chip Chip's own site (opens in a new tab) | Chip requires you to pay tax only in the UK, so it will not open its cash ISA for a US person. The wrapper gives a US person no relief anyway, since the IRS taxes the interest as ordinary income. Source: Chip Financial / ClearBank Cash ISA Key Features, 2024-04-05 | |
| Marcus by Goldman Sachs Marcus by Goldman Sachs's own site (opens in a new tab) | Marcus screens out anyone with US tax links, so it will not open a cash ISA for a US person. The IRS would tax the interest as US income regardless. Source: MoneySavingExpert forum, 2026-08-09 | |
| Moneybox Moneybox's own site (opens in a new tab) | Moneybox states applicants must not be a US person, so it will not open its cash ISA for a US citizen or dual citizen. The IRS does not recognise the wrapper, taxing the interest as US income. Source: Moneybox Support, 2026-08-09 | |
| Moneyfarm Moneyfarm's own site (opens in a new tab) | Shut for two reasons, and the second one outlives the first. Moneyfarm decided not to accept further US persons as customers and names the FATCA reporting burden as the reason, counting citizens, green card holders, people born in the States and dual nationals. Separately, this is not a deposit account: the money sits in qualifying money market funds, so even if the door opened it would be a fund holding and a PFIC on your US return, which is the opposite of what a cash ISA is for. Source: Moneyfarm FAQ, 'I am a US Citizen, can I invest with Moneyfarm?', 2026-08-24 (opens in a new tab) | |
| Shawbrook Bank Shawbrook Bank's own site (opens in a new tab) | Shawbrook's ISA eligibility requires you to be liable to pay tax only in the UK, which excludes a US person with US tax obligations. The wrapper would give no US relief in any case. Source: Shawbrook Bank, All about ISAs, 2026-08-09 | |
| Trading 212 Trading 212's own site (opens in a new tab) | Trading 212 opens no accounts for US persons, so its cash ISA is closed to you unless you can show you have renounced US citizenship. The IRS taxes the interest as US income in any case. Source: Trading 212 Help Centre, 2026-08-09 | |
| TSB TSB's own site (opens in a new tab) | TSB's ISA important information says you must be 18 or over and resident only in the UK for tax purposes, and that rule covers all three of its cash ISAs. Its ordinary savings terms carry no such clause, so TSB will open you a savings account and refuse you the ISA. Source: TSB ISA important information, 2026-08-17 | |
| Zopa Zopa's own site (opens in a new tab) | Zopa requires sole UK tax residency and says applicants must not be a US citizen, so it will not open its cash ISA for a US person. The wrapper gives no US relief regardless. Source: Zopa, 2026-08-09 |
New and changed accounts, monthly.
Providers change who they will take, and nobody tracks it. Momo does. One email a month with what moved, plus the occasional note on tax and money for US citizens in the UK.
How Momo handles your address: privacy policy.
Common questions
Can a US citizen open a cash ISA?
Many UK providers will open one, but some ISA declarations require you to be taxable only in the UK, which a US citizen cannot truthfully say. Check the provider's own ISA declaration rather than its general account terms, because that is where the bar usually sits.
Is a cash ISA worth having for a US citizen?
It is usually harmless and sometimes worth holding for the UK break alone. The interest stays tax-free to HMRC but is taxable to the IRS as ordinary income, so you get half the benefit a UK-only saver gets rather than none of it.
Can you open a junior ISA for a US citizen child?
The UK rules set no nationality test, so in law the child qualifies, and most published junior ISA conditions say nothing about US citizens. In practice providers are less consistent than their terms suggest: Lloyds Junior Cash ISA conditions carry no US test, yet a parent applying for a US citizen child has been refused. Ask the provider in writing before you apply.
How does the US tax a junior ISA?
As the child's own foreign account, with no relief for the wrapper. Interest is taxable to them each year, and the balance counts towards their FBAR and Form 8938 thresholds long before they are old enough to file. A junior stocks and shares ISA is worse, because the funds inside are usually PFICs.
Confirm your own position with a
cross-border specialist.
Acceptance policies and tax rules change, and your facts may differ from the
general case. Rates and terms here are the provider's published figures rather
than an offer, and the provider decides each application on its own criteria.
Use this as a map, not a ruling.
Last checked .
Why this is the rule
Tax
ISA US tax
The IRS does not recognise the ISA wrapper. Cash ISA interest and stocks ISA gains are taxable on your US return, and fund holdings drag in PFIC rules.
MoreWhere to save
Savings accounts, cash ISAs, Premium Bonds, stocks and shares ISAs and pensions side by side for a US citizen in the UK: who opens each, the UK tax, the US tax and what gets reported.
TaxFATCA
Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. Where it bites is access.