Earn 3.87% 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. - see more
Enjoy tax-free growth, daily interest, flexible access, and no fees. All with the security of FSCS protection up to £85,000. - see more
Your cash is securely held with trusted Qualifying Money Market Funds managed by carefully selected and regulated financial institutions These are "qualifying" because they meet certain regulations that allow them to be considered as cash equivalents.
*Variable rate correct as at 12/06/2026. Subject to conditions and ISA rules.
A smarter way to save - combining flexibility, security, and tax-free benefits to help you make the most of your money.
Watch your savings grow every day with tax-free interest applied daily.
Withdraw up to three times a year without impacting your rate, and top up anytime, fee-free.
Your cash is held with trusted partners and safeguarded with FSCS protection up to £85,000.
Consolidate your savings with no transfer fees, making it simple to manage all your ISAs in one place.
Watch your savings grow every day with tax-free interest applied daily.
Withdraw up to three times a year without impacting your rate, and top up anytime, fee-free.
Enjoy tax-free growth with a variable interest rate that rewards you even more in your first year.
Daily interest calculation
Your interest is calculated daily, so you can see your savings growing tax-free.
Boosted first-year rate
Enjoy a higher return with our exclusive bonus rate for the first 12 months, maximising your savings early on.
Your interest is calculated daily, so you can see your savings growing tax-free.
Enjoy a higher return with our exclusive bonus rate for the first 12 months, maximising your savings early on.
Exclusive boosted rate for your first year *
3.87%**
Standard rate after your first year
3.57%**
After the 3rd withdrawal in a year
3.57%**
*£500 min. balance; New and existing customers; Transfers included; Terms and conditions apply.
**Variable rate correct as at 12/06/2026. Our Cash ISA interest rate is variable and linked to the secure and protected Qualifying Money Market Fund (QMMF) your money is held in. The interest rate may change immediately and will be updated on this page. Subject to conditions and ISA rules.
With the Moneyfarm Cash ISA, you can withdraw funds whenever you need, without penalties - perfect for unexpected expenses or extra peace of mind. Your savings remain flexible and there if you need them.
To maintain the bonus rate, keep at least £500 in your account and limit withdrawals to three per year.
Your savings are safeguarded by the Financial Services Compensation Scheme (FSCS), providing protection of up to £85,000 per eligible person, per bank. This government-backed scheme ensures peace of mind for your hard-earned money, even in the unlikely event of a provider’s failure.
FSCS protection does not cover changes in investment value due to market fluctuations.-See here for more details.
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. And remember, anything transferred is outside of the £20,000 annual allowance - so you can transfer anytime.
Your cash is held with trusted partners and safeguarded with FSCS protection up to £85,000.
Consolidate your savings with no transfer fees, making it simple to manage all your ISAs in one place.
By making an investment, your capital is at risk. The value of your Moneyfarm investment depends on market fluctuations outside of our control and you may get back less than you invest. Past performance is no indicator of future performance. The tax treatment of a Moneyfarm Stocks and Shares ISA and a Moneyfarm Pension depends on your individual circumstances and may be subject to change in the future. You should seek financial advice if you are unsure about investing.
©2026 MFM INVESTMENT Ltd
Registered office: 90-92 Pentonville Road, London N1 9HS | Registered in England and Wales Company No. 09088155 | Telephone number: +44 (0)20 3745 6991 | VAT No. 467458154
Moneyfarm is a trading name of MFM Investment Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number: 629539)
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Authorised and regulated by the Financial Conduct Authority as an Investment Advisor and Investment Management Company - Authorisation no. 629539
This company meets high standards of social and environmental performance, transparency and accountability.
Moneyfarm uses an encrypted connection to protect your data.
Funds typically appear in your account within 1–2 working days after we receive them.
ISA transfers can take up to 21 days for Cash ISAs and up to 30 days for Stocks & Shares ISAs. This timeline also applies to Etoro/Moneyfarm ISA transfers. The exact duration depends on how quickly your current provider processes the transfer.
Your Cash ISA is invested in qualifying money market funds and is protected under the Financial Services Compensation Scheme (FSCS) investment protection, not the deposit protection scheme. This means you may be entitled to compensation of up to £85,000 if MFM Investment Ltd were to fail and you suffer a financial loss as a result. FSCS protection does not cover losses from market performance.
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. Unlike a traditional savings account (which essentially lends your money to a single bank), a money market fund spreads deposits across a diverse range of low-risk financial institutions, with maturities ranging from overnight to six months. This diversification makes it very resilient.
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.
Because your money is held in a QMMF rather than a traditional bank deposit, it falls under FSCS investment protection rather than deposit protection, meaning you're covered up to £85,000 if MFM Investment Ltd were to fail. The QMMF structure is designed to maintain a stable value, but it is not a guaranteed deposit: as with all investments, your capital is at risk.
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, any rate changes will be reflected on this page and in the app.
Note that the rate can also drop if the balance falls below £500, or if a customer makes more than 3 outbound movements (cash withdrawals or ISA transfers out) in a 12-month period.
Our cash ISA rate moves in line with the underlying money market funds, which respond to changes in the wider interest rate environment. We don't send a notification each time the rate changes, but you can always see the current rate in the app. If you’re on a bonus rate, keep in mind that once your introductory period ends, your rate will move to the base rate. You’ll always see your current total rate in the app.
The bonus interest is an additional rate on top of our base rate, paid for an introductory period. Once your bonus year ends, your rate moves to the base rate. You'll always see your current total rate in the app. When your bonus year is approaching its end, it’s a good moment to review your options. You may want to explore whether transferring to a new provider or topping up makes sense for you.
Your cash ISA is held in money market funds, which pay interest in a slightly uneven pattern across the week. You'll typically see larger payments on Mondays and/or Fridays, with smaller amounts on other days. Over a full week it evens out.
From 6 April 2027, the annual cash ISA subscription limit will change for savers under 65.
If you’re under 65, you’ll be able to save up to £12,000 per tax year in a cash ISA, down from the current £20,000. The overall ISA allowance of £20,000 stays the same: the remaining £8,000 will need to go into an investment ISA, such as a Stocks & Shares ISA.
If you’re 65 or over, nothing changes. You can continue saving up to £20,000 in cash each year. The 2026/27 tax year (which started 6 April 2026) is the last full year under the current rules for under-65s, so if you want to make the most of the higher allowance, now is a good time to act.
Yes. You can transfer your cash ISA to another provider at any time without losing your tax-free wrapper or using up your annual allowance. From April 2027, there is one new restriction to be aware of: if you’re under 65, you will no longer be able to transfer money from a Stocks & Shares ISA back into a Cash ISA. Transfers from Cash ISA to Cash ISA remain unrestricted.Please note: if your Cash ISA carries a promotional bonus rate, an ISA transfer out counts towards your three-movement limit. Making more than three outbound movements in a 12-month period will result in the bonus rate being forfeited.
We update this page whenever the rate changes. We don’t send a proactive notification each time, but you can always see the current rate on this page and in the app.
Interest begins accruing the day after your deposit settles in the money market fund, not the day you initiate the transfer. Settlement usually takes 1–2 business days. In the first one to two weeks you may see zero or very small daily payments: this is normal and will catch up once the funds have accumulated enough interest to generate visible payments. You will be receiving the rate advertised.
Yes, withdrawing money is quick and easy from your Moneyfarm Cash ISA. Just head to your Cash ISA in the Moneyfarm app to request the amount you want to withdraw from your ISA.
This is a two-step process: first, your funds need to settle in your Moneyfarm account, this can take up to 3 working days. Once available, you can initiate the transfer to your linked bank account, which typically arrives within 1–2 working days.
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 our standard rate.
Please note that for the purposes of the boosted rate, a ‘withdrawal’ includes any outbound movement of funds from your Cash ISA, including cash withdrawals and ISA transfers out to another provider. Both count towards the three-movement limit. Making more than three outbound movements in a 12-month period will result in the bonus rate being forfeited.
