Easy Access Cash ISA
Simple, tax-free savings
Put your £20,000 ISA allowance to work in an Easy Access Cash ISA. Grow your money without paying tax on interest you earn.
4.25% AER variable
4.17% tax free variable
Deposit up to £20,000
2026/27 tax year
Used
£0.00
Remaining
£20,000.00
Start saving tax free in minutes
Open an Easy Access Cash ISA in three easy steps. You need to be 18 or over and a UK resident. ISA rules, T&Cs and eligibility criteria apply.
What you need to know
Tax free saving
Add up to your £20,000 annual ISA allowance and earn interest without paying UK Income Tax (ISA transfers in are not available yet - we’re working on it!).
Instant access
Our Easy Access Cash ISA lets you make deposits and unlimited withdrawals. Just a heads up: this isn’t a flexible ISA. If you withdraw money, you can’t replace it without using more of your annual allowance.
Variable interest rate
Our Cash ISA interest rate can go up and down at any time. We will always give you notice if your rate reduces.
We are one of the most trusted UK banks on Trustpilot
Join the thousands of customers who trust Atom with their hard-earned savings. Check out our Trustpilot page to hear directly from them.
Your money is FSCS protected
Your money is covered up to £120,000 by the Financial Services Compensation Scheme (FSCS).
Easy Access Cash ISA Summary Box
Account name: Easy Access Cash ISA
| Interest | Rates |
|---|---|
| AER | 4.25% (variable) |
| Tax free per annum | 4.17% (variable) |
- These rates are effective from 03/12/2025.
- You will earn interest on the money in your Easy Access Cash ISA from the day you pay it into the account. We calculate interest on your balance daily using the tax-free rate and add it to your account once a month, usually on the same date your account was opened.
- ‘AER’ means ‘annual equivalent rate’ and is designed to make it easy for you to compare savings products. It tells you how much interest you’d earn if you put some money in an account and left it there for a full year. It takes account of things like how often the interest is paid and assumes any interest paid during that year is added to the balance and earns interest.
- ‘Tax free’ means the rate of interest paid where interest is exempt from income tax.
Easy Access Cash ISA Summary Box_v1.1. Effective from 05/11/25. (Rates effective from 03/12/2025).