A Cash ISA is a type of savings account that lets you earn tax-free interest on the money you save. You can only pay into one Cash ISA with us using your ISA allowance per tax year.

To get a Cash ISA with YBS, you’ll need to meet the eligibility criteria. For example: You’ll need to be aged 18 or over. You must be a UK resident for tax purposes. Crown employees, or those married or in a civil partnership with a Crown employee, may also qualify. Your Cash ISA must be held in your name only.

What is a Fixed Rate Cash ISA?

A Fixed Rate Cash ISA has an interest rate which won’t change during the term of the account, as long as the terms of the account are met.

What is a Variable Rate Cash ISA?

A Variable Rate Cash ISA has an interest rate which can go up or down.

Cash isas

A tax-free way to save. Choose from easy access cash ISAs or fixed rate cash ISAs.

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Some of our variable interest rates will go down 2 October 2025. Select an account to find out what the new rate will be. Fixed rate accounts are not affected.

Want to use your 2024/2025 ISA allowance? You can add money to your account up to 8pm on 5 April 2025.

If you want to open a new ISA, you’ll need to open it by 8pm on 4 April 2025 and pass ID checks before you can add money to your account.

What is a cash ISA?

A cash ISA is a tax-free way to save. This means you do not pay income tax on the interest you earn.

There’s a limit on how much you can save into ISAs each tax year. For the 2025/26 tax year, it’s £20,000.

We offer 3 types of cash ISA

Easy access cash ISAs

You can take money out as often as you want.

You can add money whenever you want.

The interest rate is variable. This means it can go up or down.

Limited access cash ISAs

You can only take money out for a set number of days, usually 1 to 6 days a year. This usually gives you a better rate.

You can add money whenever you want.

The interest rate is variable. This means it can go up or down.

Fixed rate cash ISAs

You can only add money for a short time after you open the account. It’s designed for a one-off payment.

You cannot take money out for a set time, usually 1 to 5 years.

The interest rate is fixed and will stay the same until the account ends.

Is a cash ISA right for me?

It might be right for you if:

you want to save tax-free
you want to transfer an existing ISA into this one.

It's not right for you if:

you have already used your annual ISA allowance.

You're comfortable that your interest rate could change.

The content on this page is for reference. It is not financial advice.

Looking for a different way to save?

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New to saving?

Our short guide explains the difference between easy access accounts, ISAs and bonds.

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Why save with us?

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Your eligible deposits with Yorkshire Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

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