Skip to main content

Cash ISA Saver

Whatever you’re saving for, our Cash ISA Saver account can help you get there with instant access to your tax-free savings.

Why open a Cash ISA Saver?

Save tax-free
Piggy bank icon

Save up to £20,000 tax-free in the 2024/2025 tax year and pay no tax on any interest you earn.


Instant access to your money
Wallet icon

Make withdrawals at any time and replace it later in the same tax year without losing any of your tax-free allowance.

Currently paying from 1.60% interest
Money bag icon

Currently paying from 1.60% tax-free/AER (variable). This includes a fixed introductory bonus of 0.20% for 12 months.

Tax-free means the interest paid will be free from UK Income Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future.

Cash ISA Saver benefits

  • Interest rates are variable and the rate you earn depends on how much money you have in your account at midnight at the end of each day.
  • You earn the interest rate on all the money in your account.
Account balance Variable annual interest with 12 month bonus. Tax free/AER% Variable annual interest without 12 month bonus. Tax free/AER%
£1+ 1.60% 1.40%
£25,000+ 1.70% 1.50%
£50,000+ 1.80% 1.60%
£100,000+ 1.90%

  • After 12 months the variable interest rate without bonus will apply
  • To open this account you must be 18 or over and a UK resident
  • Instant access to your money with no notice periods or fees
  • Open a Cash ISA Saver with just £1
  • Save up to £20,000 for the tax year ending 5 April 2025 tax-free

View previous rates

Important information

How to apply

Already registered for Internet Banking?

How to apply

If you're not already registered


If you prefer to apply in branch or through telephone banking, you can book an appointment in advance.

Other ISAs

Runner on beach

Save Well Limited Access ISA

A higher rate if you don't withdraw

  • Open from £1
  • 12-month term
  • Earn 3.68%/ 3.75% tax-free/AER (variable) in the months you don't make a withdrawal. Interest paid monthly
  • Instant access to your money, but you'll earn a lower interest rate of 0.49%/ 0.50% tax-free/AER (variable) in the months you make a withdrawal

Woman with phone

Fixed Rate Cash ISA

Put your money away for a set time

  • Open from £1 
  • 18 month, 2 year, 3 year terms available
  • Earn up to 4.40% Tax Free/ 4.50% AER (fixed) interest rate (for a 18 Month Fixed Rate Cash ISA). Withdrawal charges apply
  • Withdrawal charges apply

Adult and child digging on allotment

Junior Cash ISA

For children under the age of 18

  • Open from £1
  • 3.65% tax-free/AER (variable)
  • Once the child reaches 18, the account will mature into a Cash ISA Saver with bonus

Financial Services Compensation Scheme

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of your eligible money at TSB. For more information, please visit the FSCS website. 

FSCS logo

Need any help?

Speech bubbles

Chat with us

image alt


Use the TSB Mobile Banking App to get help with queries 24/7.


Give us a call

Lines open 8am - 8pm Monday to Sunday.

Branch icon

Visit us in branch

It’s easy for you to pop in and manage your finances.

Important Information

*Variable means the interest rate on your savings can change. The rate can go up and down. If it goes up, you earn more interest. If it goes down, you’ll earn less interest, but we’ll tell you before this happens. If you’d like to know more about what might happen to our variable interest rates when the Bank of England changes the Base Rate, head over to our Popular Questions page at

The Annual Equivalent Rate (AER) shows what the interest would be if the interest was paid and added to the account once each year. It lets you compare savings accounts easily. Gross rate means that credit interest is paid without income tax being deducted. Tax-free is the contractual rate of interest payable where interest is exempt from income tax.

Tax-free means the interest paid will be free from UK Income Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future.

16+ and UK resident