Earn 2.50% AER / 2.46% tax-free (variable) on your savings, with no tax to pay on interest earned.
An Individual Savings Account (ISA) is a special type of savings account where you pay no tax on the interest you earn. Ever.
Every UK resident aged 18+ gets a £20,000 tax-free allowance each tax year (6 April – 5 April). You can put up to £20,000 into a Cash ISA without paying any tax on the interest.
Our Cash ISA is flexible — meaning you can withdraw money and replace it within the same tax year without losing your tax-free allowance. Not all ISAs work this way.
2.50% AER / 2.46% tax-free (variable) on balances up to £85,000. Interest is calculated daily and paid monthly. That's tax-free income, compounding every month.
Use your full tax-free allowance for the 2024/25 tax year. Any interest earned is tax-free, forever — unlike a regular savings account where interest over £1,000 may be taxed.
Take money out and replace it in the same tax year without losing your allowance. Perfect if you want the tax benefits without locking your money away.
Got an ISA with another provider? Transfer it to us for free without losing any tax benefits. Most transfers complete within 15 working days.
Open, fund and manage your ISA entirely from your phone. No paperwork, no forms, no waiting. Instant transfers between your ISA and current account.
Your ISA is protected up to £85,000 by the Financial Services Compensation Scheme.
Open your Starling account in minutes.
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