Moneybox Cash ISA Review4.73% AER (Sep 2026)

Cash ISA from Moneybox

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Protection

FSCS

Up to £120,000

Min balance

£500

Max balance

£20,000

Access

Instant

Interest paid

Monthly

Transfers in

Accepted

The Rate You'll Get

Learn more about Moneybox

First 12 months

Boosted

4.73%

AER

Includes a 1.28% boost for 12 months

Standard rate (after 12 months)

3.45%

AER

Rate Tiers

£500+ (under 4 withdrawals)Includes 1.12% bonus for first 12 months4.57%

Below £500 or 4+ withdrawalsLower rate applies for rest of 12-month period0.75%

Who Is This For

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

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Estimated returns with Moneybox's Cash ISA

Want to know how much interest you will receive with Moneybox's Cash ISA?

Estimated interest

£1,000 saved

£47.30

At 4.73% AER

£5,000 saved

£236

At 4.73% AER

£10,000 saved

£473

At 4.73% AER

£20,000 saved

£946

At 4.73% 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 Moneybox Cash ISA

The 4.73% rate here is made up of a 3.45% base plus a 1.28% bonus that lasts only 12 months, so you need to be ready to review and move if the underlying rate looks uncompetitive once that boost expires. Within those 12 months it suits someone who wants ISA flexibility with instant access, accepts a 500 pound minimum, and will stay within three withdrawals per 12-month period to protect their rate. Transfers in are accepted, which is useful if you want to consolidate old ISAs. If you want a guaranteed rate for a full year without the bonus cliff, the Virgin Money 1 Year Fixed Rate Cash E-ISA is sitting at the same 4.73% and worth a look.
Jan Watermann (Co-Founder)DepositScout