Cash ISA Allowance
How much you can save tax-free into a Cash ISA this tax year.
Annual ISA allowance
£20,000
The total you can pay into all your ISAs each tax year. From 6 April 2027, under-65s will be able to put no more than £12,000 of it into cash ISAs; the full £20,000 stays available for stocks and shares ISAs.
GOV.UK — HMRC · checked 12 Oct 2026
Average Easy-Access Cash ISA Rate
1.95%
Bank of England average of the rates UK banks and building societies advertised on variable-rate (easy access) cash ISAs in September 2026, including bonuses. Individual accounts vary widely around this.
Bank of England · checked 12 Oct 2026
Average 1-year fixed cash ISA rate
4.56%
Bank of England average of the rates advertised on 1-year fixed-rate cash ISAs in September 2026. Your money is tied up for the year in return for a guaranteed rate.
Bank of England · checked 12 Oct 2026
Average 2-year fixed cash ISA rate
4.53%
Bank of England average of the rates advertised on 2-year fixed-rate cash ISAs in September 2026.
Bank of England · checked 12 Oct 2026
What's changed
- 12 October 2026 Average 2-year fixed cash ISA rate rose from 4.41% to 4.53%.
- 12 October 2026 Average 1-year fixed cash ISA rate rose from 4.4% to 4.56%.
- 12 October 2026 Average Easy-Access Cash ISA Rate fell from 2.01% to 1.95%.
- 6 October 2026 Average 2-year fixed cash ISA rate rose from 4.34% to 4.41%.
- 6 October 2026 Average 1-year fixed cash ISA rate rose from 4.35% to 4.4%.