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This Is Money has updated its weekly shortlist of five cash Isas, led in the supplied material by Trading 212 at 4.64% and Moneybox at 4.67%, both including 12-month introductory bonuses. The report also highlights access and transfer restrictions that can affect whether a headline rate suits a saver; rates and product terms may change.
This Is Money has updated its five-account cash Isa shortlist, comparing headline rates with access, transfer and eligibility conditions for savers. The supplied report lists Trading 212 at 4.64% and Moneybox at 4.67%, with both rates including a 12-month bonus; the figures are not guaranteed to remain available and the source does not give a rate-check date.
The report’s named deals include Trading 212’s easy-access Isa at 4.64%, requiring a £1 opening deposit. It accepts transfers and is flexible, according to the source. The rate includes a 1.04 percentage-point bonus for new customers for 12 months; afterward, the source says it falls to 3.6%. Existing customers are listed at 3.6%, with interest paid monthly. Trading 212 requires customers to open the account through its app.
Hargreaves Lansdown is listed at 4.52% for an easy-access cash Isa, also with a £1 minimum. The source says the rate has no short-term introductory bonus, but it is variable and the provider can lower it. Transfers are possible only through a particular route: savers must first transfer funds into the provider’s stocks and shares Isa, then open its cash Isa with £1 and move the money across. The account is not flexible.
The report also cites Moneybox at 4.67%, including a 1.22 percentage-point bonus lasting 12 months. The available source text cuts off before giving its minimum deposit, transfer rules or the rest of the five-account list. Those missing details cannot be verified from the supplied material, so the headline rate alone is not enough to compare the full shortlist.
Rates Matter Alongside Account Rules
A cash Isa can shelter interest from UK savings tax, but the best advertised rate may not be the best fit if a saver needs unrestricted access or wants to move an existing Isa. The report’s examples show meaningful differences: Trading 212 is described as flexible with no withdrawal limits, while Hargreaves Lansdown is not flexible and has a multi-step transfer process.
The bonus structure also changes the comparison. Trading 212’s listed rate falls from 4.64% to 3.6% after 12 months for qualifying new customers, while Moneybox’s 4.67% likewise includes a time-limited bonus. Savers should compare the underlying rate, bonus duration and conditions, not just the initial figure. These are historical details as reported, not a promise of future returns.
Tax treatment depends on an individual’s circumstances and total savings interest. The article says the annual Personal Savings Allowance is £1,000 for basic-rate taxpayers and £500 for higher-rate taxpayers, with no allowance for additional-rate taxpayers. A cash Isa may therefore be more relevant to people whose taxable savings interest approaches or exceeds their allowance.
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Allowance and Rule Changes Ahead
The report says the Isa allowance for the 2026/27 tax year, running from 6 April 2026 to 5 April 2027, is £20,000. It also states that from April 2027 the cash Isa limit will fall to £12,000 for people under 65. The report further says transfers from a stocks and shares Isa into a cash Isa will be barred from that date. These are future rule changes described in the source and should be checked against current official guidance before acting.
This Is Money says it has maintained its cash Isa round-up since 2014 and updates it weekly. It describes the selection as an editorial choice and says it may earn affiliate commission when readers open accounts through marked links, while stating that this does not affect its editorial independence. The supplied material says cash held through the listed accounts is protected under the Financial Services Compensation Scheme, but the Trading 212 explanation specifies that funds are held with partner banks. Savers should check how protection applies to their full balances across institutions.
““The rate includes a 1.04 per cent bonus rate which lasts for 12 months for new customers, after which it falls to 3.6 per cent.””
— This Is Money
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Rate Dates and Missing Deal Terms
The supplied report does not state when the rates were checked, and savings providers can change variable rates or withdraw offers. The Moneybox entry is incomplete, and the source excerpt does not identify the other two deals in the five-account selection. It is therefore not possible to confirm the full ranking, all eligibility criteria or the current availability of every offer from this material alone.
The report gives details of FSCS protection for Trading 212 cash held with partner banks, but readers should confirm the current account arrangements and how their existing deposits at those banks affect their overall protection. The source also does not provide individual tax advice or establish whether a particular saver would benefit from moving money into an Isa.
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Check Terms Before Opening
This Is Money says it updates the round-up weekly, so its next update may change the rates or the selected accounts. Before applying, savers should check the provider’s live rate, bonus end date, minimum deposit, withdrawal rules, transfer process and whether the Isa is flexible. Anyone transferring existing Isa savings should use the provider’s formal transfer process rather than withdrawing the money themselves, and should verify current tax and protection rules against official guidance.
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Key Questions
What are the highest rates named in the supplied report?
The report names Moneybox at 4.67% and Trading 212 at 4.64%. Both figures include introductory bonuses lasting 12 months, and the source does not give a rate-check date.
What happens to Trading 212’s rate after the bonus?
This Is Money says the rate for qualifying new customers falls from 4.64% to 3.6% after the 12-month bonus period. It lists existing customers at 3.6%.
Can I transfer an existing Isa to Hargreaves Lansdown’s cash Isa?
The report says transfers are accepted, but not directly into the cash Isa. It describes transferring first to the provider’s stocks and shares Isa, then opening the cash Isa and moving the funds across. It also warns that using this route may not work for someone who has already used their current-year Isa allowance.
How much can I put into an Isa in 2026/27?
According to the report, the annual Isa allowance for the tax year from 6 April 2026 to 5 April 2027 is £20,000. Check current official rules before making decisions, as allowances and eligibility can change.
Source: rss
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