Cash ISA

TSB Cash ISA

TSB's fixed-rate Cash ISA is tiered by term: 4.70% tax-free/AER for 18 months, and 4.75% tax-free/AER for the two-year and three-year terms. Alongside it sits a limited-access ISA where a withdrawal costs you interest for that month, and a Junior Cash ISA.

Last updated: 16 September 2026

At a glance

4 ISAs covered

4.70% to 4.75% tax-free/AER depending on the fixed term
Transfers in through the app
Junior Cash ISA available

See the rates

The accounts

TSB Cash ISAs

Rates and terms as published by TSB and read on 16 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.

Fixed Rate Cash ISA

18 months: 4.70% tax-free/AER; 2 and 3 years: 4.75% tax-free/AER

Rate type: Fixed for the term
Access: 18-month at 4.70% AER; 2-year and 3-year terms at 4.75% AER
Minimum: £1 minimum opening balance
Withdrawals: Allowed, but charged at 135 days' interest for 18 months, 180 days for 2 years or 270 days for 3 years

Save Well Limited Access ISA

Published on TSB's rate page

Rate type: Variable, interest paid monthly
Access: Instant access
Minimum: Not published on the ISA landing page
Withdrawals: Allowed, but a withdrawal reduces the interest earned for that month

Cash ISA Saver

From 1.10% tax-free / AER

Rate type: Variable
Access: Instant access
Minimum: Not published on the ISA landing page
Withdrawals: Check the account terms before applying

Junior Cash ISA

3.15% tax-free / AER

Rate type: Variable
Access: For under-18s; locked until the child turns 18
Minimum: Not published on the ISA landing page
Withdrawals: Not available until the child reaches 18

The rules

Eligibility, transfers and protection

Who can apply: UK residents; the Junior ISA is opened for a child
Access: App, internet banking, telephone and branches
Transfers in: Accepted through the app, internet banking, an appointment or a Docusign transfer form. TSB says a Cash ISA transfer takes around 15 days
Flexible ISA: Not stated on the ISA landing page — confirm before applying
Deposit protection: FSCS protected up to £120,000
Allowance: Counts towards the £20,000 annual ISA allowance

Before you commit an allowance

What to check first

The 18-month, two-year and three-year fixed terms all pay the same rate. There is no reward for tying the money up for longer, so take the shortest term that suits you.
On the Save Well Limited Access ISA a withdrawal reduces the interest you earn for that month. It is instant access in name, but using it costs you.
The Cash ISA Saver starts from 1.10%, far below TSB's own fixed rate and below most easy-access ISAs elsewhere on the site.
TSB says an ISA transfer in takes around 15 days. Start it well before a rate deadline rather than close to one.
Never withdraw money yourself to move an ISA. Use the transfer service, or the money loses its tax-free status.

A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.

Comparing TSB's Cash ISA?

See how it sits against the other UK banks offering a Cash ISA, or read the full review of the bank behind it.

Compare Cash ISAs TSB review