Trading 212 Cash ISA Review: 4.63% AER (Sep 2026)

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 Trading 212

New customers

Bonus

4.63%

AER

Includes a 1.03% boost

Standard rate

3.60%

AER

Rate Tiers

Eligible partner linkNew Trading 212 customers only. Use the DepositScout qualifying link.4.61%

Standard rateWithout an eligible partner link.3.60%

Bonus Terms

1.01% boost for 12 months (3.60% base)

Who Is This For

New customers of this provider
Those wanting easy access
Savers happy with a £20,000 cap

Additional Info

Trading 212 is best known as an investment platform, and this cash ISA is part of its push to bring in new users. The account itself is a standard cash ISA (your money isn't invested), but be aware that the platform also promotes investment products that carry risk. If you're only interested in the savings account, make sure to choose ‘Trading 212 Cash ISA’ when signing up, not the stocks & shares ISA. Customer support is available via live chat and email, but there's no phone line.

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Estimated returns with Trading 212's Cash ISA

Want to know how much interest you will receive with Trading 212's Cash ISA?

Estimated interest

£1,000 saved

£46.30

At 4.63% AER

£5,000 saved

£232

At 4.63% AER

£10,000 saved

£463

At 4.63% AER

£20,000 saved

£926

At 4.63% 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 Trading 212 Cash ISA

Trading 212 is primarily a brokerage, so this Cash ISA sits alongside its investment products rather than being a standalone savings bank, which is worth bearing in mind. The headline rate of 4.63% AER includes a 1.01% bonus for the first 12 months on top of a 3.60% base, and after that the underlying rate tracks the Bank of England base rate minus 0.15%, so it will drift down if rates fall. It accepts ISA transfers in and only needs £1 to open, but the bonus is for new customers only, and once it drops away I would still check alternatives like the Moneybox Cash ISA at 4.73% or Plum Cash ISA at 4.71%.

Trading 212 Cash ISA Review4.63% AER (Sep 2026)

The Rate You'll Get

Rate Tiers

Bonus Terms

Who Is This For

Additional Info

Estimated returns with Trading 212's Cash ISA

Our Expert Opinion on Trading 212 Cash ISA

3 alternatives to Trading 212's Cash ISA

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