Simple, fair and transparent pricing
Customers are at the centre of everything we do and our pricing structure reflects that. We charge the smallest amount possible in order to execute at the highest standard and build a sustainable business.
The 4.00% Cash ISA following the base rate
Flexible access to the Bank of England’s base rate, tax-free. No surprises or asterisks attached.
Interest rate
4.00%
Bank of England base rate
4.00%
We’ll give you
these for free
You’ll often pay for these elsewhere.
Account fee
We don’t charge you for leaving your money to grow.
Free
Bank transfer in
Transferring funds from a local bank account.
Free
Bank transfer out
Transferring funds to a local bank account.
Free
Fees
Deposits via bank transfer are free. You can find a breakdown of applicable fees and taxes here.
Deposit via card
Quick deposits with debit card, Apple Pay or Google Pay.
0.6%
The no suprisa.
No gimmicks, no more surprises. Just 4.00% on your savings.
 |  |  |  | ||
|---|---|---|---|---|---|
Interest rate - AER | 4.00% | 1.11% | 1.05% | 3.75% | 3.95% |
Interest paid monthly | yearly | yearly | yearly | ||
Flexible ISA | |||||
Minimum deposit | £0 | £1 | £1 | £1 | £500 |
Limited time bonus rate | N/A | N/A | N/A | N/A | 4.45% first 12 months only |
Bonus rate interest paid | N/A | N/A | N/A | N/A | Yearly |
Penalty-free withdrawals | Unlimited | Unlimited | Unlimited | 3 | 3 |
Interest rate after penalty-free withdrawals | N/A | N/A | N/A | 1.25% | 0.75% |
Based on a balance of £10,000. Rates accurate as of 14th August 2025.
- Barclays Instant Cash ISA offer 1.11% AER on balances over £1.
- Halifax ISA Saver Variable offers a tiered interest rate of 1.05% AER on the first £24,999, rising to 1.15% between £10,000 and £99,999, and 1.20% AER on balances above £100,000.
- Nationwide 1 year Triple Access Online ISA offers 3.75% AER, but this drops to 1.25% AER if you make more than 3 withdrawals per year.
- Moneybox Cash ISA offers an introductory rate of 4.45% AER on balances over £500, which includes a bonus rate of 0.5% for the first 12 months. The interest rate drops to 3.95% AER after the introductory 12 month period, and to 0.75% AER if you make more than 3 withdrawals per year.