When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.

Get the app

Open account

The simplest way to save

  • 4.9% AER (variable)

  • Flexible - withdraw anytime

  • Completely free - no account fees

Get the app

Open account

ISA hero phoneCash ISA hero phoneCash ISA percent image
ISA phone mobile layoutCash ISA phone mobile layout

Earn high interest in a tax-free account

Individual Saving Accounts (ISAs) let you save tax-free. Deposit up to £20,000 each tax year and earn tax-free interest.

Tax treatment depends on your individual circumstances and ISA regulations which may change
Tax treatment depends on your individual circumstances and ISA regulations which may change

Earn 4.9 AER variable

Earn every day. Withdraw anytime.

GBP rate

Simple terms

No minimums

Earn interest on your entire cash balance, big or small. One rate for all.

Unlimited access

Your cash is always free to use. Withdraw anytime without any impact on your interest rates.

Earn daily, paid monthly

Your interest accumulates daily and is paid monthly, maximising your earnings

See how much you could earn

See the power of daily earnings. Every day you accrue additional interest.

The 212 difference

Completely free. No account minimums. No lockup periods.

trading-212
moneybox
plum
hargreaves-lansdown
chip
zopa

Interest rate (variable)

4.9%

4.75%

Drops to 4.25% after 1 year. 0.75% if your cash is below £500.

4.92%

Drops to 4.29% after 1 year. 3% if your cash is below £100.

4.69%

Through Zopa.

4.84%

4.80%

Drops to 4.58% after 1 year.

Interest payment frequency

Monthly

Yearly

Monthly

Monthly

Monthly

Monthly

Withdrawal limit

None

None

Interest drops to 0.75% if you make 3+ withdrawals per year.

None

Interest drops to 3% if you make 4+ withdrawals per year.

None

None

None

Minimum deposit

£1

£500

£1

£1

£1

£1

Account fees

£0

£0

£0

£0

£0

£0

moneybox
plum
hargreaves-lansdown
chip
zopa

4.75%

Drops to 4.25% after 1 year. 0.75% if your cash is below £500.

4.92%

Drops to 4.29% after 1 year. 3% if your cash is below £100.

4.69%

Through Zopa.

4.84%

4.80%

Drops to 4.58% after 1 year.

Yearly

Monthly

Monthly

Monthly

Monthly

None

Interest drops to 0.75% if you make 3+ withdrawals per year.

None

Interest drops to 3% if you make 4+ withdrawals per year.

None

None

None

£500

£1

£1

£1

£1

£0

£0

£0

£0

£0

Comparisons to other ISA providers are made by Trading 212 and are based on published costs on their websites as of 27.05.2024.

The 212 difference

Completely free. No account minimums. No lockup periods.

header image
  • Interest rate (variable)

    4.9%

  • Interest payment frequency

    Monthly

  • Withdrawal limit

    None

  • Minimum deposit

    £1

  • Account fees

    £0

header image
  • Interest rate (variable)

    4.75%

    Drops to 4.25% after 1 year. 0.75% if your cash is below £500.

  • Interest payment frequency

    Yearly

  • Withdrawal limit

    None

    Interest drops to 0.75% if you make 3+ withdrawals per year.

  • Minimum deposit

    £500

  • Account fees

    £0

header image
  • Interest rate (variable)

    4.92%

    Drops to 4.29% after 1 year. 3% if your cash is below £100.

  • Interest payment frequency

    Monthly

  • Withdrawal limit

    None

    Interest drops to 3% if you make 4+ withdrawals per year.

  • Minimum deposit

    £1

  • Account fees

    £0

header image
  • Interest rate (variable)

    4.69%

    Through Zopa.

  • Interest payment frequency

    Monthly

  • Withdrawal limit

    None

  • Minimum deposit

    £1

  • Account fees

    £0

header image
  • Interest rate (variable)

    4.84%

  • Interest payment frequency

    Monthly

  • Withdrawal limit

    None

  • Minimum deposit

    £1

  • Account fees

    £0

header image
  • Interest rate (variable)

    4.80%

    Drops to 4.58% after 1 year.

  • Interest payment frequency

    Monthly

  • Withdrawal limit

    None

  • Minimum deposit

    £1

  • Account fees

    £0

Comparisons to other ISA providers are made by Trading 212 and are based on published costs on their websites as of 27.05.2024.

Start investing now

Get the mobile app

qr-code

Excellent

Rated 4.6 / 5 based on 39,830 reviews on

Trustpilot

Rated 4.6 / 5 based on 39,830 reviews on

Trustpilot

Invited

From being a beginner it’s such an easy…

From being a beginner it’s such an easy app to use! Very confident I can use it to invest my money safely!

Invited

Brilliant app

Brilliant app, super intuitive, good rates and clear to see earnings

Invited

Great app to use for novices and…

Great app to use for novices and experts. Easy interface and easily navigatable to invest in the stocks you choose. Fees are also pretty low. I have been a long time user and no issues.

Invited

Easy Quick Efficient

Very easy to use. Quick and efficient. I love that you get updates on your interest and investments.

Invited

Greta value and functionality for…

Greta value and functionality for saving and passive index investing in the UK. Been using for 2 years now

Invited

Exceptional platform

Exceptional platform. Easy to use and everything well laid down simpler analysis.

Invited

Working together has been excellent

Each part of my dealings so far has been excellent. My wife and my own isa were transferred in effortlessly and we are kept up to date perfectly

Invited

Best trading app out there

Best trading app out there

Invited

Easy to use

Easy to use, great interest rate and would highly recommend!!!

Invited

Lovely Stuff

Everything is straightforward and efficient. I've enjoyed the cashback and interest on uninvested funds the most.

Invited

Such an easy app to use & very clear on…

Such an easy app to use & very clear on balance & interest payable. Love the daily interest factor!

Invited

Excellent experience with this company

Excellent experience with this company. A very intuitive app adds to the ease of use. I'm delighted to have chosen Trading 212 and can recommend them. The set-up process was easy and uncomplicated.

Invited

Great overall experience over 4 years

Great overall experience over 4 years, especially as someone who just wants to invest on the side. Simple but well laid out User interface with all the info you really need on companies or funds. Make sure to use ISA so as not to pay tax on profits is all I would say.

Invited

User friendly

Easy to use app. Good interest rate. Easy to make deposits and instant access if we need to make withdrawals.

Invited

Secure but easy access to the account

Secure but easy access to the account; interesting updates on interest etc. clear and concise.

Invited

Great investing platform

Great platform for beginners and seasoned investors alike. Easy to use and good community help and chat.

Invited

Fantastic interesting experience…

Fantastic interesting experience reading articles and relevant information about stocks and shares and seeing growth in my isa

Invited

Remarkable design and app interface

Remarkable design and app interface. Compared with offerings from established banks, which range from serviceable to bizarre, I marvel at how much utility is crammed into a sleek package.

Invited

Best ISA Provider by Far. Good customer service.

I transferred my Cash ISA to Trading212 from Moneybox because my 1% bonus rate with Moneybox was ending. Trading212's interest rate was market-leading and also offered the additional benefits of being a flexible Cash ISA (which is relatively uncommon) as well as having no limits on the number of withdrawals I could make per year. There are no fees either. The transfer was smooth and quicker than estimated. Since switching, the rate offered was decreased once in line with the BOE interest rate cut in August, which is understandable and to be expected. However, since that cut, there has been one more cut by the BOE, but instead of cutting the rate in line like most providers have, Trading212 has increased the rate several times, which is very impressive. The fact that they applied it to all accounts and not just new customers is also commendable. Customer service is equally very good. Initially, after my transfer was completed, my ISA allowance for the year was showing the wrong amount. However, the issue was rectified with a quick message to customer service. The app experience is also top-notch. Overall, Trading212's service has been beyond my expectations, and I am very pleased with their service. 😁

Invited

App works perfectly every time

App works perfectly every time. Great app dashboard, great savings rate and funds availability

Showing some of our positive client reviews

Our awards