Earn 4.39% 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 28/10/2025. 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 *
4.39%**
Standard rate after your first year
3.69%**
After the 3rd withdrawal in a year
3.69%**
*£500 min. balance; New customers rate including bonus; Existing customers 3.89% AER (variable); Transfers included; Terms and conditions apply.
**Variable rate correct as at 28/10/2025. 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.
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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.
©2025 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.
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.
Funds typically appear in your account within 1–2 working days after we receive them.
We update this page whenever the rate changes. While we do not currently send proactive notifications, we are exploring ways to improve this.
Interest starts accruing from the next working day after your funds have been received and cleared.
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 our standard rate.
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.
