Cash ISA

Moneybox Open Access Cash ISA Review

A competitive cash ISA from Moneybox. It ranks 35th of 136 cash ISAs we track.

Variable rate

3.80%AER

Then 3.25% after 12 months

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Instant

Interest paid

Monthly

Transfers in

Accepted

The Rate You'll Get

First 12 months

Boosted
3.80%AER

Includes a 0.55% boost for 12 months

Standard rate (after 12 months)

3.25%AER

How It Stacks Up

Ranks 35th of 136

Cash ISAs we track

Above average
This account 3.80%
UK CPI (Aug 2026)
3.10%
Pays 0.70% more
Average cash ISA
2.98%
Pays 0.82% more
Best cash ISA
4.87%
Pays 1.07% less

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

Compare cash ISAs

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 3.25% after 12 months
  • Con: The rate is variable, so it can go down
  • Con: Not flexible: money you withdraw can't be replaced without using more allowance

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Estimated returns with Moneybox's Cash ISA

What you could earn with Moneybox's Open Access Cash ISA.

Estimated interest

£1,000 saved

£38.00

At 3.8% AER

£5,000 saved

£190

At 3.8% AER

£10,000 saved

£380

At 3.8% AER

£20,000 saved

£760

At 3.8% 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 Moneybox Open Access Cash ISA

Jonny PeaseCo-Founder, DepositScout

The Moneybox Open Access Cash ISA pays 3.80% AER for the first 12 months, after which the rate drops to a base of 3.25%, so the boost is doing a fair amount of work here. At 3.80% it sits below the Cash ISA market average and 1.32% behind the category leader at 5.12%, which is a meaningful gap. It does beat CPI inflation of 3.1% by 0.70%, and next-day withdrawals without a rate penalty is a genuine plus for anyone who wants flexibility up to £20,000. If the ongoing rate matters more to you, Spring's Easy Cash ISA at 4.01% is worth a look.

Compare Cash ISAs

2 alternatives to Moneybox's Open Access Cash ISA

Same type of account, closest on rate.

Common questions about the Open Access Cash ISA

D

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4.20% AER
4.75%
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