Cash ISA

Halifax ISA Saver Variable Review

A cash ISA from Halifax. It ranks 134th of 137 cash ISAs we track.

Headline rate

0.75%AER

Up to 1.00% on some tiers

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Instant

Interest paid

Annually

Transfers in

Accepted

Halifax is becoming Lloyds. Halifax is being retired on 31 October 2026.

Go to Lloyds

Rate Tiers

£1 – £24,999

0.75%AER

£25,000 – £99,999

0.90%AER

£100,000 or more

1.00%AER

How It Stacks Up

Ranks 134th of 137

Cash ISAs we track

Well below average
This account 0.75%
UK CPI (Aug 2026)
3.10%
Pays 2.35% less
Average cash ISA
2.98%
Pays 2.23% less
Best cash ISA
4.87%
Pays 4.12% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.64%

AER

  • Pays 3.89% more than this Halifax account
  • Includes a 1.04% bonus for 12 months, then 3.60%
Compare Cash ISAs

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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access

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Estimated returns with Halifax's Cash ISA

What you could earn with Halifax's ISA Saver Variable.

Estimated interest

£1,000 saved

£7.50

At 0.75% AER

£5,000 saved

£37.50

At 0.75% AER

£10,000 saved

£75.00

At 0.75% AER

£50,000 saved

£450

At 0.9% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Halifax ISA Saver Variable

Jan WatermannCo-Founder, DepositScout

Halifax's ISA Saver Variable pays 0.75% on balances up to £24,999, rising to 1.00% at £100,000 or more, which is still 4.37% behind the best Cash ISA on the market at 5.12% and sits below the market average. With CPI at 3.1%, the headline rate is losing 2.35% in real terms, so your savings are shrinking in purchasing power. This account suits someone who already banks with Halifax and values convenience above return, but most savers would do better looking elsewhere, such as Moneybox's Open Access Cash ISA at 3.80%.

2 alternatives to Halifax's ISA Saver Variable

Same type of account, closest on rate.

Common questions about the ISA Saver Variable

D

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Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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