Protection
FSCS£120,000
Min balance
£1
Max balance
No limit
Access
Instant (non-flexible — withdrawals reduce ISA allowance)
Interest paid
Monthly
Transfers in
Accepted
The Rate You'll Get
First 12 months
Boosted4.01%AER
Includes a 0.74% boost for 12 months
Standard rate (after 12 months)
3.24%AER
How It Stacks Up
Ranks 24th of 137
Cash ISAs we track
This account 4.01%
- UK CPI (Aug 2026)
- 3.10%
- Pays 0.91% more
- Average cash ISA
- 2.98%
- Pays 1.03% more
- Best cash ISA
- 4.87%
- Pays 0.86% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.60%
AER
- Pays 0.59% more than this Marcus account
- Includes a 1.00% 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
Worth Weighing Up
- Con: Rate drops to 3.24% after 12 months
- Con: The rate is variable, so it can go down
Please verify all details with the provider – see our Disclaimer
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