Protection
FSCS£120,000
Min balance
£500
Max balance
£500,000
Access
Limited withdrawals
Interest paid
Monthly/Annually
Transfers in
Accepted
Rate Tiers
Up to 2 withdrawals
Higher rate applies if no more than 2 withdrawals made per year
3 or more withdrawals
Lower rate applies from the third withdrawal until the account anniversary
How It Stacks Up
Ranks 14th of 137
Cash ISAs we track
- UK CPI (Aug 2026)
- 3.10%
- Pays 1.06% more
- Average cash ISA
- 2.98%
- Pays 1.18% more
- Best cash ISA
- 4.87%
- Pays 0.71% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.60%
AER
- Pays 0.44% more than this Vida Savings 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: 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: The rate is variable, so it can go down
Good to Know
The first deposit or transfer must arrive within 21 days of applying, or the account is closed. You can add money whenever you like after that. Withdrawals can go to your Nominated Bank Account, another Vida Savings account, or another ISA provider. You can close within 14 days of your first deposit without it counting as an ISA subscription.
Please verify all details with the provider – see our Disclaimer
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