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 account year
3+ withdrawals
0.65%AER
Lower rate applies from the month of the 3rd withdrawal until end of account year
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
Good to Know
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