Cash ISA

Starling Bank Flexible Cash ISA Review

A cash ISA from Starling Bank. It ranks 91st of 137 cash ISAs we track.

Variable rate

2.50%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Unlimited

Interest paid

Monthly

Transfers in

Accepted

Starling Bank is also paying £105 to switch your current account. Offer ends 11 October 2026.

See the switch offer

How It Stacks Up

Ranks 91st of 137

Cash ISAs we track

Below average
This account 2.50%
UK CPI (Aug 2026)
3.10%
Pays 0.60% less
Average cash ISA
2.98%
Pays 0.48% less
Best cash ISA
4.87%
Pays 2.37% less

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

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.60%

AER

  • Pays 2.10% more than this Starling Bank account
  • Includes a 1.00% bonus for 12 months, then 3.60%
Compare Cash ISAs

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Pros and cons

  • Pro: Savers who want a monthly income
  • Con: The rate is variable, so it can go down

Good to Know

Flexible ISA

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Estimated returns with Starling Bank's Cash ISA

What you could earn with Starling Bank's Flexible Cash ISA.

Estimated interest

£1,000 saved

£25.00

At 2.5% AER

£5,000 saved

£125

At 2.5% AER

£10,000 saved

£250

At 2.5% AER

£50,000 saved

£1,250

At 2.5% 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 Starling Bank Flexible Cash ISA

Jonny PeaseCo-Founder, DepositScout

Starling's Flexible Cash ISA pays 2.50%, which is below the market average for Cash ISAs and sits 2.62% behind the category leader at 5.12%, so this is not a rate I would choose on numbers alone. At 0.60% below August 2026 CPI of 3.1%, your savings are losing real value. The flexibility and unlimited access suit someone who wants their ISA inside the Starling app for convenience, but if the rate matters, Moneybox's Open Access Cash ISA at 3.80% or Sidekick's Cash ISA at 3.23% are worth a look.

Compare Cash ISAs

2 alternatives to Starling Bank's Flexible Cash ISA

Same type of account, closest on rate.

Common questions about the Flexible Cash ISA

D

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Easy Access rate just dropped

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Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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