Save tax-free with a Cash ISA.
Make an unlimited number of deposits and withdrawals, without affecting your £20,000 annual allowance. Earn 2.50% AER (2.46% tax-free) variable* interest, paid monthly. You’ll need a personal current account to apply.
How to apply
*18+, UK residents. Interest paid monthly. Starling personal current account required. Subject to eligibility. Tax free is the tax free rate of interest payable where interest is exempt from income tax. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Any tax benefit you receive an ISA depends on your individual circumstances and may change in the future.
ISAs don’t have to be taxing.
No minimum deposit.
Open your account and start saving, with any amount.
Keep the allowance.
Take money out and replace it without affecting your allowance.
Earn 2.50% AER interest.
Variable (2.46% tax-free) interest. Calculated daily, paid monthly.
Everything in one place.
View and manage your Cash ISA and other savings in the Starling app.
Watch your money grow and grow.
Tax-free interest
What is a flexible Cash ISA?
A Cash ISA is a savings account where any interest you earn is tax-free. Each tax year, you can contribute up to £20,000 to a Cash ISA.
With some Cash ISAs, each time you add money it counts towards that £20,000 total. If you add £10,000, take it out, then add it again you’ve used up your allowance. But with flexible Cash ISAs (like ours) the £20,000 limit is a cap not a counter. You can take money out and add it back in the same tax year without affecting your annual ISA allowance.
The 2026/27 tax year is the last one in which the tax-free allowance remains at £20,000 for everyone. From 6 April 2027, this allowance will be cut to £12,000 for those under 65. You can find out more in our blog post here.
Get startedEasy transfers
How to transfer a Cash ISA.
Moving your existing Cash ISAs to us is simple. And with all your money in one place, it’s much easier to see the big picture.
If your application for a Starling Cash ISA is approved, follow these steps:
Open your Cash ISA in the app.
Tap on ‘Manage’, then ‘Transfer ISA’.
Follow the steps and confirm your details.
Transferring part of your ISA balance to another provider isn’t currently available. For more about the types of ISA you can transfer, how long transfers take, and more information, head to our full FAQs.
Industry-leading security, including face and fingerprint recognition, and groundbreaking new tools powered by AI.
Your money is protected.
Eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).
24/7 UK support from humans.
Whatever the time, whatever the day. Start a live chat in seconds or give us a call – we’re ready to help.
Add or withdraw at any time.
Money is added from your personal account, and withdrawn to it too. No notice period required.
Ready to apply?
Start earning interest in a few quick steps.
You’ll need to live in the UK, be aged 18 or over and have a personal account to apply. Terms and eligibility criteria apply.
Start my applicationStep One
Apply online.
Start your application on your phone or computer.
Step Two
Head to Spaces.
It’s on the bottom menu of the app.
Step Three
Choose Cash ISA.
You may need to tap ‘Show options’.
Step Four
Follow the steps.
We’ll let you know if your application is approved.
watch your savings grow
Explore our other savings accounts.
Fixed Saver
Lock your rate in. 3.70% AER/gross interest.
More on Fixed SaverEasy Saver
Bonus rate
Withdraw anytime. 4.00% AER/ 3.92% gross (variable) interest. Includes a fixed bonus of 1.50% AER for your first 12 months.
More on Easy Saver18+, UK residents. Interest paid monthly. Starling personal current account or joint account required. Subject to eligibility. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.
Compare. Choose. Save.
| Features | Cash ISA | Easy Saver | Fixed Saver |
|---|---|---|---|
| Interest rate | 2.50% AER (2.46% tax free) variable | 4.00% AER (3.92% gross) includes a fixed bonus of 1.50% AER for your first 12 months | 3.70% AER/gross interest fixed |
| Underlying standard rate | N/A | 2.50% AER (2.46% gross) variable | N/A |
| Interest paid | Monthly | Monthly | End of term |
| Access to funds | Unlimited access | Unlimited access | No access for 12 months |
| Account term length | N/A | N/A | 12 months |
| Minimum and maximum deposit | No minimum or maximum deposit (£20,000 tax year limit) | £0 - £1m | £2,000 – £1m (Initial deposit only) |
| Number of each Starling account you can open | 1 | 2 (one personal and one joint account) | Up to 50 |
| Available with a joint account | No | Yes | No |
Summary box
Account name
Cash ISA
Grow your savings tax-free with a flexible Cash ISA.
Start saving, with no minimum deposit. Apply for a current account to get started.
Apply now