Earn 4.34% AER* with the Moneyfarm Cash ISA.

Enjoy tax-free growth, daily interest, flexible access, and no fees. All with the security of FSCS protection up to £85,000.

Open a Cash ISA

Transfer a Cash ISA

Earn 4.34% AER* with the Moneyfarm Cash ISA.

Enjoy tax-free growth, daily interest, flexible access, and no fees. All with the security of FSCS protection up to £85,000.

Open a Cash ISA Transfer a Cash ISA

While Moneyfarm isn’t a bank, your cash is securely held with trusted partners, authorised banks or Qualified Money Market Funds, ensuring it’s in safe hands.
*Variable rate correct as at 24/04/25. Subject to conditions and ISA rules.

Why the Moneyfarm Cash ISA?

A smarter way to save—combining flexibility, security, and tax-free benefits to help you make the most of your money.

Earn daily interest

Watch your savings grow every day from the moment your deposit is received.

Flexible and accessible

Withdraw up to three times a year without impacting your rate, and top up anytime, fee-free.

Secure and protected

Your cash is held with trusted partners and safeguarded with FSCS protection up to £85,000.

Free ISA transfers

Consolidate your savings with no transfer fees, making it simple to manage all your ISAs in one place.

Earn daily interest

Watch your savings grow every day from the moment your deposit is received.

Flexible and accessible

Withdraw up to three times a year without impacting your rate, and top up anytime, fee-free.

Secure and protected

Your cash is held with trusted partners and safeguarded with FSCS protection up to £85,000.

Free ISA transfers

Consolidate your savings with no transfer fees, making it simple to manage all your ISAs in one place.

Earn more with our Cash ISA rates.

Enjoy tax-free growth with a variable interest rate that rewards you even more in your first year.

Open a Cash ISA

Transfer a Cash ISA

*£500 min. balance; New and existing customers; Transfers included.

Daily interest calculation

Your interest is calculated daily, so your savings start growing the moment your deposit is received.

Boosted first-year rate

Enjoy a higher return with our exclusive bonus rate for the first 12 months, maximising your savings early on.

Open a Cash ISA Transfer a Cash ISA

*£500 min. balance; New and existing customers; Transfers included.

Transfer your Cash ISA with no fees.

Switching to Moneyfarm is quick, easy, and completely free. Track your transfer every step of the way, with our expert support team ready to assist whenever you need.

Open a Moneyfarm Cash ISA in just a few taps

Request your transfer

We'll do the rest, all completely free of charge

Transfer an ISA Transfer an ISA

Open a Cash ISA in minutes, completely free.

Tell us about yourself

Create your Cash ISA portfolio

Enjoy your money growing

Tell us about yourself

Create your Cash ISA portfolio

Enjoy your money growing

Frequently Asked Questions.

Yes, withdrawing money is quick and easy from your Moneyfarm Cash ISA, with withdrawals into your Moneyfarm account paid in 1 working day. Just head to your Cash ISA in the Moneyfarm app to request the amount you want to withdraw from your ISA.

Please note that the Moneyfarm Cash ISA is a flexible ISA, which means you can withdraw and replace money within the same tax year without affecting your annual ISA allowance. However, to qualify for the standard interest rate, you’ll need to ensure you don’t make more than 3 withdrawals in a single year. If you withdraw more than 3 times in a year, the interest rate on your Cash ISA will drop to 4.15% AER.

A money market fund (MMF) is a type of fund that is trusted by banks, other financial institutions and large companies to keep their money safe and accessible, while giving them a return.

A qualifying money market fund (QMMF) is a type of money market fund that is approved to hold client money, for example Cash ISA savings. What makes it “qualifying” is that the QMMF must meet higher regulatory standards than other MMFs.

Yes. Our Cash ISA has a variable rate, which means the rate can go up or down according to market conditions (largely driven by any changes in the Bank of England base rate). If we have to make a change to the rate we offer in the future, we’ll let customers know as soon as possible.

Note that the rate for our Cash ISA can also drop to a lower rate if the balance for a customer’s new contributions falls below £500 or they make more than 3 withdrawals in a year.