When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
5.05%* AER (variable)
Flexible - withdraw anytime
Completely free - no account fees
*Promo rate for new clients including bonus of 0.7% for the first 12 months. See the FAQ, and the Promo rate terms
AER
Individual Saving Accounts (ISAs) let you save tax-free. Deposit up to £20,000 each tax year and earn tax-free interest.
Earn 5.05%* AER variable
Earn every day. Withdraw anytime.
*Promo rate for new clients including bonus of 0.7% for the first 12 months. See the FAQ, and the Promo rate terms
5.05
GBP
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
The 212 difference
Completely free. No account minimums. No lockup periods.
Interest rate (variable)
Promo rate for new clients including bonus of 0.7% for the first 12 months
Includes 0.62% bonus1
Includes 1.27% bonus2
Through Vida Savings
Includes 0.68% bonus3
includes 1.21% bonus4
Interest payment frequency
Monthly
Yearly
Monthly
Monthly
Monthly
Monthly
Withdrawal limit
None
Interest drops to 0.75% if you make 3+ withdrawals per year.
Interest drops to 2.5% 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
Includes 0.62% bonus1
Includes 1.27% bonus2
Through Vida Savings
Includes 0.68% bonus3
includes 1.21% bonus4
Yearly
Monthly
Monthly
Monthly
Monthly
Interest drops to 0.75% if you make 3+ withdrawals per year.
Interest drops to 2.5% 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 17.03.2025.
1. Promo rate for new clients for the first 12 months.
2. Promo rate for new clients for the first 12 months.
3. Promo rate for new clients for the first 6 months.
4. Promo rate for new clients for the first 3 months.
The 212 difference
Completely free. No account minimums. No lockup periods.
Promo rate for new clients including bonus of 0.7% for the first 12 months
Monthly
None
£1
£0
Includes 0.62% bonus1
Yearly
Interest drops to 0.75% if you make 3+ withdrawals per year.
£500
£0
Includes 1.27% bonus2
Monthly
Interest drops to 2.5% if you make 4+ withdrawals per year.
£1
£0
Through Vida Savings
Monthly
None
£1
£0
Includes 0.68% bonus3
Monthly
None
£1
£0
includes 1.21% bonus4
Monthly
None
£1
£0
Comparisons to other ISA providers are made by Trading 212 and are based on published costs on their websites as of 17.03.2025.
1. Promo rate for new clients for the first 12 months.
2. Promo rate for new clients for the first 12 months.
3. Promo rate for new clients for the first 6 months.
4. Promo rate for new clients for the first 3 months.
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All stats are global. The clients figure refers to lifetime funded accounts.
Excellent
Rated 4.6 / 5 based on 50,630 reviews on
Trustpilot
Rated 4.6 / 5 based on 50,630 reviews on
Trustpilot
Invited
It's very easy to use
It's very easy to use. And you have a lot more options than other platforms
Invited
Great platform
Great platform. Best part I like is the concept of pies and the ability to copy pies made by others to your portfolio. The ability to switch money across accounts is very practical.
Invited
App works really well
App works really well and the interest on cash balances is pretty decent, too.
Invited
Exceptional customer service.
Exceptional customer service. Very swift responses to queries, very efficient responses and follow up. Unusual when dealing most organisations these days!
Invited
Fantastic experience
Fantastic experience
Great company paying a good interest…
Great company paying a good interest rate at the moment. Easy to use app for full control of your money. Deposited and withdrew money yesterday. And within 5 mins of transaction, the money was in or out of my account. Would definitely recommend trading 212
Invited
Easy process to open an ISA account
Easy process to open an ISA account. The app is easy to use and setting up a monthly direct debt was relatively simple.
Invited
Easy to use Cash ISA
Easy to use Cash ISA. Straightforward, no nonsense and not unnecessarily complicated. Reasonable interest rate. Would strongly recommend
Invited
Since the upgrade it has improved…
Since the upgrade it has improved greatly in terms of buying and selling. Better experience. I do like the pots like spending and investing it works well regards Chris
Invited
The app is really easy to use and…
The app is really easy to use and you’re able to deposit and withdraw money whenever and as many times as you like without penalty. It’s really quick and easy to deposit, and when you need to withdraw money it is usually in your account within minutes. And with a competitive interest rate that pays daily, this really can’t be beat. The best Cash ISA I’ve ever had, no hyperbole.
Invited
I'm very new to trading and investing
I'm very new to trading and investing, but using the Trading 212 app has made the whole experience incredibly seamless and beginner-friendly. The interface is clean and easy to navigate, and I really appreciate how simple it is to place trades and track my portfolio. The educational tools and real-time data have also helped me build confidence as I learn more. Definitely a great platform for anyone just starting!
Invited
I'm broke!
This app made it very easy for me to put money into stocks and bonds just before they all dipped into the red!
Invited
Great app design
This app has an amazing and very well thought through design. Whoever it is that was tasked with that, clearly poured all their talent and skills into it. Give them a raise.
Invited
Very Impresed
Great interface, great returns, zero charges. What's not to like?
Invited
Trading 212 is a great platform
Trading 212 is a great platform, especially for beginners or anyone who wants to invest without dealing with too much complexity. I have some basic knowledge about investing, but my wife doesn’t — and she really appreciates how simple and easy to use the platform is. That’s why I highly recommend it to everyone, especially those who are just getting started with investing.
Invited
Great working from the app
Great working from the app Easy and safe to move money from source to trading 212
Invited
Problems solved fast via fast support…
Problems solved fast via fast support team. Very useful features like debit card, pie creation (create your own etf like stocks). They are improving the app and functionality time over time which is very nice.
Invited
Simple to use
Simple to use. Quick access to funds. Lots of data available in a simple format.
Invited
Best ISA App
The setup of your account is simple and quick. The app is the best I have used in regards to online access of ISAs!
Invited
The app is so easy to use
The app is so easy to use. The cash ISA account lets you take out and put back without affecting allowance.
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