Protection
FSCS£120,000
Min balance
£1
Max balance
No limit
Access
Instant
Interest paid
Monthly
Transfers in
Accepted
Halifax is becoming Lloyds. Halifax is being retired on 31 October 2026.
Rate Tiers
2 or fewer withdrawals
3.00%AER
Higher rate applies for the full 12-month account year
3 or more withdrawals
0.65%AER
Lower rate applies from the month of the 3rd withdrawal
How It Stacks Up
Ranks 73rd of 137
Cash ISAs we track
This account 3.00%
- UK CPI (Aug 2026)
- 3.10%
- Pays 0.10% less
- Average cash ISA
- 2.98%
- About the same
- Best cash ISA
- 4.87%
- Pays 1.87% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.64%
AER
- Pays 1.64% more than this Halifax account
- Includes a 1.04% bonus for 12 months, then 3.60%
We may earn a commission if you open this account.
A Good Fit For
- Pro: New and existing savers
- Pro: Savers who want instant access
- Pro: Savers who want a monthly income
Please verify all details with the provider – see our Disclaimer
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