Protection
FSCS£120,000
Min balance
£500
Max balance
£2,000,000
Access
Instant
Interest paid
Annually
Transfers in
Accepted
Santander is also paying £240 to switch your current account. Offer ends 7 October 2026.
How It Stacks Up
Ranks 108th of 137
Cash ISAs we track
This account 2.00%
- UK CPI (Aug 2026)
- 3.10%
- Pays 1.10% less
- Average cash ISA
- 2.98%
- Pays 0.98% less
- Best cash ISA
- 4.87%
- Pays 2.87% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.60%
AER
- Pays 2.60% more than this Santander 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
Worth Weighing Up
- Con: The rate is variable, so it can go down
- Con: Not flexible: money you withdraw can't be replaced without using more allowance
Please verify all details with the provider – see our Disclaimer
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