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

  • 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

Get the app

Open account

ISA hero phoneCash ISA hero phone

AER

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 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.

trading-212
moneybox
plum
hargreaves-lansdown
chip
zopa

Interest rate (variable)

5.05%

Promo rate for new clients including bonus of 0.7% for the first 12 months

4.82%

Includes 0.62% bonus1

4.81%

Includes 1.27% bonus2

4.51%

Through Vida Savings

5%

Includes 0.68% bonus3

5.01%

includes 1.21% bonus4

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 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

moneybox
plum
hargreaves-lansdown
chip
zopa

4.82%

Includes 0.62% bonus1

4.81%

Includes 1.27% bonus2

4.51%

Through Vida Savings

5%

Includes 0.68% bonus3

5.01%

includes 1.21% bonus4

Yearly

Monthly

Monthly

Monthly

Monthly

None

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

None

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.

header image
  • Interest rate (variable)

    5.05%

    Promo rate for new clients including bonus of 0.7% for the first 12 months

  • Interest payment frequency

    Monthly

  • Withdrawal limit

    None

  • Minimum deposit

    £1

  • Account fees

    £0

header image
  • Interest rate (variable)

    4.82%

    Includes 0.62% bonus1

  • 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)

    4.81%

    Includes 1.27% bonus2

  • Interest payment frequency

    Monthly

  • Withdrawal limit

    None

    Interest drops to 2.5% if you make 4+ withdrawals per year.

  • Minimum deposit

    £1

  • Account fees

    £0

header image
  • Interest rate (variable)

    4.51%

    Through Vida Savings

  • Interest payment frequency

    Monthly

  • Withdrawal limit

    None

  • Minimum deposit

    £1

  • Account fees

    £0

header image
  • Interest rate (variable)

    5%

    Includes 0.68% bonus3

  • Interest payment frequency

    Monthly

  • Withdrawal limit

    None

  • Minimum deposit

    £1

  • Account fees

    £0

header image
  • Interest rate (variable)

    5.01%

    includes 1.21% bonus4

  • 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 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.

Start building wealth now

Join over 4 million clients

Get the app

Open account

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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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