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HTB
Cash ISAs

Tax-free savings up to £20,000 a year — open online in minutes

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Cash ISAs

Up to 4.22% AER (tax-free)
Earn interest tax-free with a cash ISA. Save up to your annual ISA allowance and keep every penny of the interest.
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View our cash ISAs

Earn interest tax-free when you save into a cash ISA

Cash ISA

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Give your savings a tax-free boost

Cash ISAs are the smart way to make your money work harder, allowing you to earn tax-free interest on your savings. The current annual ISA allowance is £20,000, although the cash ISA allowance is reducing to £12,000 per year for under 65’s in April 2027. You may want to act soon to make the most of the current limits.

Our award-winning personal cash ISAs are simple to open or transfer into, and offer consistently competitive rates. Eligible deposits are also protected up to the value of £120,000 by the FSCS.

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Is a Cash ISA right for you?

Consider whether tax-free interest matches your savings strategy.

A cash ISA may be right for you if…
  • You want to earn interest tax-free
  • You have unused annual ISA allowance
  • You want FSCS protection up to £120,000
  • You want an ISA without investment risk
A cash ISA may not be right for you if...
  • You've already used your ISA allowance for the year
  • You want easy access — check the specific ISA terms
  • You'd earn more interest in a higher-rate non-ISA account after tax

Your savings are protected.

Eligible deposits with Hampshire Trust Bank are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).
Learn more about FSCS protection
Award-winning savings

Recognised by the industry

Savings provider of the year

Savings provider of the year

Best fixed rate savings

Best fixed rate savings

Platinum trusted service

Platinum trusted service

5-star easy to open

5-star easy to open

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Useful guides & information relating to cash ISAs

Understanding cash ISAs

Every year, millions of savers miss out on the opportunity to earn interest tax-free by leaving money in standard savings accounts.

Guide · 5 min read · 10 April 2026

ISA vs general savings: what’s the difference?

The practical differences between an ISA and a regular savings account, and how to choose the right home for your money.

Comparison · 6 min read · 1 June 2026

Should you use an ISA or a regular savings account?

A decision framework based on how close you are to your Personal Savings Allowance.

Comparison · 4 min read · 26 May 2026
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