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
BoostedIncludes a 0.25% boost for 12 months
Standard rate (after 12 months)
How It Stacks Up
Ranks 26th of 137
Cash ISAs we track
- UK CPI (Aug 2026)
- 3.10%
- Pays 0.90% more
- Average cash ISA
- 2.98%
- Pays 1.02% more
- Best cash ISA
- 4.87%
- Pays 0.87% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.60%
AER
- Pays 0.60% more than this Tandem Bank 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
- Pro: Savers who want a monthly income
- Pro: Flexible: take money out and put it back in the same tax year without using more allowance
Worth Weighing Up
- Con: Rate drops to 3.75% after 12 months
- Con: The rate is variable, so it can go down
Good to Know
An introductory bonus top-up rate is included in the advertised AER for the first 12 months from account opening. After 12 months, the rate reverts to the standard variable rate.
Account can hold up to £250,000 and multiple ISAs can be opened. Managed entirely via the Tandem app; ISA transfers in from other providers are accepted digitally.
Please verify all details with the provider – see our Disclaimer
See all Tandem Bank accounts
