Plum Cash ISA Review4.71% AER (Sep 2026)

Cash ISA from Plum

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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

The Rate You'll Get

Learn more about Plum

First 12 months

Boosted

4.71%

AER

Includes a 2.17% boost for 12 months

Standard rate (after 12 months)

2.54%

AER

Bonus Terms

2.17% boost for 12 months (2.54% base).

Who Is This For

Those wanting easy access
Savers happy with a £20,000 cap

Additional Info

Open in the Plum app with £1 and a National Insurance number.

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

Estimated returns with Plum's Cash ISA

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

Estimated interest

£1,000 saved

£47.10

At 4.71% AER

£5,000 saved

£235

At 4.71% AER

£10,000 saved

£471

At 4.71% AER

£20,000 saved

£942

At 4.71% 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 Plum Cash ISA

The Plum Cash ISA pays 4.71% and suits anyone who wants instant access to their ISA savings with a low entry point of just £1. The headline rate is built from a 2.54% base plus a 2.17% boost, and the important catch is that the boost only lasts 12 months, after which you drop back to that base rate, so you need a plan for where to move the money once the boost expires. Transfers in are accepted, which is handy if you want to consolidate old ISAs. If you want a marginally higher rate right now, Chip's Smart Cash ISA is in the data at 4.74%, though you would still want to check its own bonus terms before switching.
Jonny Pease (Co-Founder)DepositScout