The Best Cash ISA Rates 2025

If you’re after an easy-to-open savings account that makes your money work harder than the high street banks then the Trading 212 Cash ISA could be for you. It’s a digital-first option, which means you can manage everything from a smartphone app, and it also boasts a competitive interest rate of 5.07 per cent for new customers. This is one of the top rates on offer this week and you can claim it if you sign up via an exclusive link or use the code TIM, and it comes just a day after rival Plum* increased its rate to 5.06 per cent.

Trading 212 Cash ISA UK: Safe, Tax-Free Investing Explained

The service has a few perks that set it apart from the competition, including the fact you can transfer in from other providers and withdraw without losing your tax-free allowance. It’s also fully FCA regulated, which is important because it provides a layer of protection should the company go bust.

Trading 212 Cash ISA UK has a wide range of global stocks and ETFs to choose from, with the ability to back rising stars as well as the big names. And it offers a favourable 0.15% FX fee, which keeps costs low.

It’s a great option for long-term investors or those looking to build a portfolio of dividend-focused shares, but it’s not ideal for anyone who wants to invest in CFDs (contracts for difference) or other volatile products that aren’t backed by the FCA. It’s also not available in a pension wrapper.