CompareFairlyBest Cash ISA Accounts 2026
Our pick : Plum Cash ISA (95/100) · Cheapest : Plum Cash ISA · Best value : Plum Cash ISA
Comparison table
| Criterion | Plum Cash ISA | CMC Invest Flexible Cash ISA | Raisin UK | XTB Limited Flexible Cash ISA | iFast Global Bank Flexible Cash ISA | Barclays Bank - 3-Yr Fixed Term Structured ISA |
|---|---|---|---|---|---|---|
| Interest Rate (%) | 4.8 | 4 | 5.02 | 3.69 | 3 | 4.9 |
| Access Type | Easy access | Easy access | — | Easy access | Easy access | None |
| Withdrawal Penalty | — | — | ✓ | — | — | ✓ |
| Account Management | Online & App | Online & App | — | Online & App | Online & App | Online & App |
| Bond Term (months) | — | — | — | — | — | 36 |
| Fixed Rate | — | — | ✓ | — | — | ✓ |
| Minimum Deposit (GBP) | 1 | 1 | 1 | 1 | 1 | 5000 |
| Tax free status | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
In short
This comparison evaluates 11 cash ISAs based on 9 criteria, including interest rate, access type, withdrawal penalty, account management, bond term, and fixed rate, with Plum Cash ISA ranking first with a score of 95/100, largely due to its perfect scores in minimum deposit and withdrawal penalty, making it the cheapest option available. The facts in this summary are computed from the table below; only the wording is generated.
Frequently asked questions
What are the best cash ISA accounts available in 2026?
The top-rated cash ISA account for 2026 is the Plum Cash ISA, scoring 95/100, followed closely by the CMC Invest Flexible Cash ISA.
How do cash ISA accounts compare on interest rates and access?
We compare accounts based on their interest rates and how easily you can access your funds, with options ranging from instant access to fixed terms.
Are there penalties for withdrawing money from a cash ISA?
Withdrawal penalties vary between cash ISA accounts; some offer penalty-free access while others may charge a fee, especially for fixed-rate accounts.
How is the ranking of cash ISA accounts determined?
Our rankings are based on a comprehensive analysis of key criteria, and our neutrality means we do not accept payment for placement; all data is sourced.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.