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Tax-free savings accounts

Save in a Cash ISA, and pay no tax on the interest you earn

We have a range of Cash ISAs on offer - just scroll down to compare these tax-free accounts. You can also transfer an existing ISA from another provider to any of our Cash ISAs.

Find a cash ISA

Search for the right cash ISA for you below. You can use the filters to find the best cash ISA or you can view and compare all our savings accounts.


With an ISA (Individual Savings Account) you can save for whatever you like and you won’t pay any tax on the interest you earn. There are four separate types of ISA: a Cash ISA, a Stocks and Shares ISA, a Lifetime ISA and an Innovative Finance ISA. You can invest into one of each type of ISA each tax year, providing the total amount invested does not exceed your annual ISA allowance.

Yorkshire Building Society only offers Cash ISAs.

ISA Types

Cash ISA – This type of ISA is basically a savings account where you pay no tax on your interest. Anyone aged 16 or older who is a UK resident for tax purposes can have one. Types of Cash ISA include easy access, variable rate, fixed rate and the Help to Buy: ISA (where you can save for your first property, tax-free and could benefit from a Government bonus when you're ready to buy).

Stocks & Shares ISA – This type of ISA lets you put money into range of different investments; from the stock market to bonds and investment funds. Anyone aged 18 or older who is a UK resident for tax purposes can have one. Stocks & Shares ISAs are best suited for money that you can leave untouched for at least 5 years or more. Although Stocks & Shares ISAs are tax efficient they are not completely tax-free. Please remember that stocks and shares and any income derived from them can rise and fall in value. You may not get back the full amount of your investment. If in doubt please consult an Independent Financial Adviser.

Lifetime ISA (LISA) – This type of ISA is designed for two purposes; to be used to save for a deposit for your first home or for your retirement (where you could be eligible to receive a bonus based on your savings). A Lifetime ISA can only be opened between the ages of 18 and 40 and once opened you can invest into the account up to age 50. You can pay an annual contribution of up to £4,000 into a Lifetime ISA.

Innovative Finance ISA (IFISA) – This type of ISA uses peer-to-peer lending instead of traditional bank and building society saving. Anyone aged 18 or older who is a UK resident for tax purposes can have one. Please note: Your capital and interest may be at risk in an Innovative Finance ISA and your investment is not covered under the Financial Services Compensation Scheme. If you’re not sure if this type of ISA is right for you, it’s best to speak to an Independent Financial Adviser.

Tax-free accounts may work for you if you:

  • Don’t want to pay a penny in tax on your interest

Things to be aware of

Any interest earned from ISAs is tax-free and does not contribute to your Personal Savings Allowance. You can invest in any combination of the four types of ISA in one tax year up to your total annual combined ISA allowance limit which is £20,000 for the 2019/20 tax year.

Any withdrawals from ISAs (except flexible ISAs) will result in loss of tax-free status (other than transfers to another ISA). Flexible ISAs allow you to withdraw money from your Cash ISA and replace withdrawn funds within the same tax year without affecting your current year ISA limit.

Need help with interest definitions?

If you are unclear what something means, our Savings glossary can help.

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Cash ISAs not right for you?

Why not take a look at our other types of savings accounts.

Interest rates

Find and compare the rates of all our savings accounts, at a glance.

Help & support

Find out more about how to open accounts, make deposits and access your money.

Visit a branch or agency

Enter a town, city or postcode to find your nearest branch.

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