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This Is Money’s regularly updated cash ISA round-up names Trading 212 at 4.64% and Hargreaves Lansdown at 4.52% among its picks. The supplied report excerpt cuts off during its Moneybox entry, so it does not confirm the other deals or provide a complete five-account comparison.
This Is Money’s cash ISA round-up lists Trading 212 at 4.64% and Hargreaves Lansdown at 4.52%, while warning that headline rates come with different conditions on bonuses, transfers and withdrawals. The supplied report excerpt ends during its description of Moneybox and does not show the full five-account list, limiting what can be confirmed about the other featured deals.
Trading 212’s easy-access cash ISA pays a stated 4.64% rate, including a 1.04 percentage-point bonus for new customers that lasts 12 months. The report says the rate then falls to 3.6%. The account has a £1 opening minimum, accepts transfers and is flexible, meaning savers can withdraw and replace money within the same tax year without that replacement counting again towards the annual allowance, subject to Isa rules. The report says there are no withdrawal limits and no rate reduction for accessing funds.
The Trading 212 rate is not uniform across every transfer: according to This Is Money, the boosted rate applies to contributions made in the current tax year when transferring from another provider, while contributions from earlier tax years receive the lower rate. Customers must open the account through the app. The report says cash is held with partner banks Barclays, NatWest and JPMorgan, with the allocation visible in the app. It cautions that customers’ other deposits with those banks may affect the applicable FSCS protection limit.
Hargreaves Lansdown’s easy-access ISA is listed at 4.52%, with a £1 opening minimum and transfers accepted subject to an unusual route: savers must first transfer into its stocks and shares ISA, open the cash ISA with £1, then move the money across. This Is Money says the account is not flexible and its variable rate can be lowered at the provider’s discretion. The report calls it the top rate available without a short-term fixed bonus. The excerpt also mentions Moneybox at 4.67%, including a 1.22 bonus for 12 months, but cuts off before giving its full terms.
Rates Come With Different Trade-Offs
The two fully described accounts show why the highest advertised percentage is only one part of a cash ISA comparison. Trading 212’s 4.64% includes a time-limited bonus, while Hargreaves Lansdown’s 4.52% is variable and may be changed. Transfer routes, flexibility and access can matter as much as the starting rate, especially for savers moving an existing ISA balance or expecting to withdraw money.
Cash ISAs shelter interest from tax, a feature that can matter more when savings rates and balances rise. This Is Money notes that the personal savings allowance is £1,000 a year for basic-rate taxpayers and £500 for higher-rate taxpayers; additional-rate taxpayers receive no savings allowance. These figures are the report’s explanation of the tax context, not a calculation of an individual reader’s tax position. Whether an ISA is useful depends on personal circumstances and the rules in force.
Comparisons should also account for deposit protection. This Is Money says the listed accounts are covered by the Financial Services Compensation Scheme, but describes Trading 212’s funds as held across partner banks. A saver with deposits at those institutions may need to consider how the protection limit applies across their holdings. The excerpt does not provide enough detail to compare the full five picks on protection arrangements or all account terms.
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Allowance Rules and ISA Transfers
The report states that the annual ISA allowance for the 2026/27 tax year, running from 6 April 2026 to 5 April 2027, is £20,000. It also says the cash ISA limit is due to fall to £12,000 for people under 65 from April 2027. These are future-facing rules described in the source and should be checked against current official guidance before a decision.
This Is Money says savers can transfer ISA money between cash and stocks and shares ISAs under current rules, while describing a planned change from April 2027 that would bar transfers from stocks and shares ISAs into cash ISAs. Existing ISA savings can also be transferred to seek a different return; the report says this may be more valuable for people with a sizeable balance than choosing a rate only for new contributions. Transfers should be made through the providers’ ISA transfer process to preserve the tax-free status.
The article presents itself as a weekly updated selection, with editorial choices made by This Is Money’s specialist journalists. Its disclosure says the publication may earn affiliate commission if readers open accounts through marked links, and says this does not affect its editorial independence. That disclosure is relevant when interpreting a ranked or selected product list.
““Trading 212 has consistently offered one of our favourite cash Isas.””
— This Is Money
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Three Deals and Rate Dates Missing
The supplied source text does not include the complete five-account selection. It stops partway through the Moneybox description, after giving a 4.67% rate and a 1.22 bonus for 12 months. The account’s minimum deposit, access rules, transfer terms and post-bonus rate are therefore not confirmed here, and the remaining two picks cannot be identified from the excerpt.
The excerpt gives no date for the rate check. Because the round-up is said to change weekly and the listed rates are variable or include temporary bonuses, the figures may have changed since publication. The source also does not provide the full terms and conditions for either fully described account, or a reader-specific assessment of tax or FSCS coverage.
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Check Terms Before Transferring
Savers considering either account should check the provider’s current rate, bonus end date, transfer process, withdrawal conditions and flexibility before applying. Anyone transferring an existing ISA should use the formal transfer process and confirm whether the rate applies to the whole balance or only particular contributions. The tax-year allowance and planned 2027 changes should be checked against up-to-date official information.
This Is Money says it updates the round-up weekly, so a later version may include changed rates and the complete five-account selection. The supplied excerpt does not state a date for its next update or confirm any further provider announcements.
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Key Questions
Which cash ISA rates are fully described in the supplied report?
The excerpt gives full descriptions for Trading 212 at 4.64% and Hargreaves Lansdown at 4.52%. It begins a Moneybox entry but does not provide its complete terms or the other two picks.
Does Trading 212’s 4.64% rate last indefinitely?
No. According to This Is Money, the rate includes a 1.04 percentage-point bonus for new customers lasting 12 months, after which it falls to 3.6%. Check the provider’s current terms, since rates can change.
Can I transfer an ISA directly into Hargreaves Lansdown’s cash ISA?
The report says savers must first transfer into Hargreaves Lansdown’s stocks and shares ISA, open the cash ISA with £1 and then move the money across. It also says the cash ISA is not flexible.
What is the cash ISA allowance stated in the report?
This Is Money gives the allowance as £20,000 for the 2026/27 tax year, from 6 April 2026 to 5 April 2027. It says the cash ISA limit is due to fall to £12,000 for people under 65 from April 2027. Check current official guidance before acting.
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