Hargreaves Lansdown HL Cash ISA Review4.52% AER (Sep 2026)

Cash ISA from Hargreaves Lansdown

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Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£20,000

Access

Instant

Interest paid

Monthly

Transfers in

Accepted

Who Is This For

Learn more about Hargreaves Lansdown

New and existing savers
Those wanting easy access
Savers happy with a £20,000 cap

Additional Info

Open online in minutes via HL's platform; no fees to set up, manage or withdraw. Savers can hold easy-access and fixed-rate products from multiple partner banks within one account.

Please verify all details with the provider – for more info read our Disclaimer

Estimated returns with Hargreaves Lansdown's Cash ISA

Want to know how much interest you will receive with Hargreaves Lansdown's HL Cash ISA?

Estimated interest

£1,000 saved

£45.20

At 4.52% AER

£5,000 saved

£226

At 4.52% AER

£10,000 saved

£452

At 4.52% AER

£20,000 saved

£904

At 4.52% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Hargreaves Lansdown HL Cash ISA

The HL Cash ISA pays 4.52% with instant access and a £1 minimum, which makes it a reasonable fit for anyone who wants flexibility and the ISA wrapper without locking money away. Worth knowing that HL is a marketplace here, so your cash sits with one of their partner banks rather than directly with Hargreaves Lansdown itself. The annual ISA subscription cap of £20,000 applies, and if rate is your priority, the Plum Cash ISA in our data is currently paying 4.71% with a similar instant-access structure.
Jan Watermann (Co-Founder)DepositScout