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

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The simplest way to save

  • 4.9% AER (variable)

  • Flexible - withdraw anytime

  • Completely free - no account fees

Get the app

Open account

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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

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Excellent

Rated 4.6 / 5 based on 42,460 reviews on

Trustpilot

Rated 4.6 / 5 based on 42,460 reviews on

Trustpilot

Invited

Love the app

Love the app, the daily interest notifications are very satisfying. Setting up an account was super easy and the app is intuitive to use. So far I'm really impressed.

Invited

Trust that I can get my money withdrawn…

Trust that I can get my money withdrawn easily. Never had any issues with the app. Provides a statements each time I do task.

Invited

Easy to use

Easy to set up. Easy transfer of ISA Enjoy watching interest added daily Early days but so far so good

Invited

I love trading212!

I love trading212! I remember the times where buying shares would cost a minimum of £10 and Trading212 has made investing accessible. The pie’s are excellent, the cashback scheme great and the Cash ISA is better than most banks. I hope Trading212 continues to put customers first and improving the platform.

I have been using T212 for about 3…

I have been using T212 for about 3 years now and so far i have a very good experience. Easy to manage your stocks for 24 hours for US markets. Hopefully they will stay this way or even more. And Hopefully they will consider fund transfer from Revolut as many people have revolut account like myself.

Invited

Everything works well

Been using Trading 212 for a couple of years. Everything works well. The app and the website are easy to use. I like the lack of fees / the low fees. I like the pies for automating your investments. I like the notifications for price changes of specific assets. The customer support is polite.

Invited

Really good app makes it easy to top up…

Really good app makes it easy to top up my cash isa & it’s fun to see the daily interest accruing

Invited

Fantastic app

Fantastic app and convenient and easy investing. Also the only company with a decent chatbot for customer support.

Invited

The speed and convenience of the App is…

The speed and convenience of the App is great. Being able to see transactions and growing interest is reassuring. Transfer of an ISA from another provider was a very simple process.

Invited

Everything Is Great

I had an issue with a typo in my name, and it was resolved in no time, and in a friendly and professional manner. Thank you!

Invited

Straight forward investing

Really simple to use for those new to saving/investing, with clear options and explanations provided. I'm very happy with the service Trading 212 provide.

Invited

I like the way I am kept up to date…

I like the way I am kept up to date regularly with the amount of interest earned and the fact the interest is the best in the market.

Invited

An efficient, reliable, and relatively uncomplicated trading and cash deposit platform.

The positives are reliable, well presented information, and relative (not perfect) ease of use. I also really like the very competitive interest rates offered by their deposit accounts for when your trading is on pause. Better rates than any mainstream bank as far as I can tell.

Invited

I'll give a more detailed review after…

I'll give a more detailed review after 6 months, but so far it's clean, easy to use and easy to understand. Also easy to lose a lot of money very quickly if you're over keen and under read. But so far I've profited. Good experience so far.

Invited

The app is really intuitive and…

The app is really intuitive and everything works really well. I’ve used Trading 212 for the past 2 years and never had any issues.

Invited

Excellent

Excellent, daily interest shown. Easy to use and keep an eye on your money. I would definitely recommend.

Invited

Easy app to follow

Easy app to follow . Great to watch your money grow right in front of your eyes. Transactions in has been super easy and quick.

Invited

Great experience

Great app to use, useful pie feature and super low cost to buy shares, really good interest rates. Highly recommended.

Invited

Love the app and the site itself

Love the app and the site itself. Great as you can see your money growing

Invited

The highest interest around and the…

The highest interest around and the interest is paid daily! Can’t recommend enough

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