Explore our ISA Products

Why choose Flexible Cash ISA?

Gif displaying the currencies available for iFAST Global Bank : GBP, EUR, USD, HKD, SGD and CNY.

All-in-one Place

Manage your Flexible Cash ISA online or in app. Maximise tax-free savings and earn interest on multiple currencies all in one place.

Tax-free Savings

Earn tax-free interest on savings up to £20,000 annually with a Cash ISA.

Flexibility to Withdraw Anytime

Freedom to withdraw and redeposit funds anytime within the same tax year without losing out on your £20,000 tax-free allowance

Transfer your existing Cash ISA to us

You can choose to transfer all or part of your Cash ISA funds into your Flexible Cash ISA with us. We are only able to process Cash ISA funds that are readily available.

Cash ISA Transfer Token

Everything You Need to Know About ISA Transfer In

Cash Isa Transfer Wallet

You must already hold a Flexible Cash Isa with us.

We can process Cash Isa transfer only when funds are readily available

Cash Isa Transfer Mobile Apps

Transfers can only be completed inside the iFAST GB Mobile App.

Customers cannot transfer in from Web.

Cash Isa Calender Timeline

Transfers typically complete when 15 working days.

We'll notify you the moment your transfer is received.

Cash Isa Transfer Money Bag

You may transfer previous-year contributions fully or partially, but we only accept transfers of the full current-year's contribution.

Cash Isa Transfer Handle

You don't need to contact your old provider. We'll take care of everything.

Can your bank match this offer?

Enjoy an interest rate higher than leading "Big Three" easy-access ISAs and grow your wealth faster.

Banks

IGBLloydsBarclaysHSBC

Product

Flexible Cash ISACash ISA SaverInstant Cash ISAHSBC Loyalty Cash ISA

Interest rates (variable)

3.00% AER tax free1.10% AER tax free1.11% / 1.10% AER tax free2.30% / 2.28% AER tax free

Flexible Withdrawal

YesYesYesNo

Interest payment frequency

MonthlyPaid twice per yearMonthlyMonthly

Withdrawal limit

NoneNoneNoneNone

Minimum deposit

£0£1£1£1

Details
(Terms & Conditions apply)

Open a Multi-Currency Current Account to access our Flexible Cash ISAInterest rates are tiered:
  • 1.00% AER/tax free on balances from £1 - £24,999.
  • 1.05% AER/tax free on balances from £25,000 - £99,999.
  • 1.10% AER/tax free on balances from £100,000 or more.
-Each payment into the ISA earns a 12-month loyalty rate, which restarts with every new payment.

Upon the expiry of your Loyalty rate period, you will earn a standard rate of 2.10% / 2.08% AER tax free until you make a further payment.*According to the interest rates listed on the websites of the respective bank in United Kingdom, as of 29 April 2026, we excluded any special promotional rates from this comparisonValue-added services (global banking)

Support multi-currency?

*Yes, 9 currencies all in one place, on instant access interest up to 2.80% AER± Yes, up to 3 currencies, no interest‡ Yes, up to 3 currencies, no interest≠ Yes, up to 18 currencies, no interest

Support sending money abroad?

*Yes, free of charge for cross currency± Yes, no charges‡ Yes, free of charge using Online Banking or Barclays app (otherwise charges apply)≠ Yes, no charges

Based on the interest rates listed on the respective UK bank websites as of 29 April 2026, excluding any special promotional rates. (*) iFAST Global Bank Multi-Currency Current Account, (±) Lloyds International Classic Current Account, (‡) Barclays International Account, and (≠) HSBC UK Global Money Account
iFAST Global Bank Cash ISA
Step 1

Open Your Multi-Currency Current Account

Sign-up online or in app and open a free bank account.

Step 2

Apply for a Flexible Cash ISA

Select Flexible Cash ISA from your dashboard and follow the on-screen instructions to open.

Step 3

Transfer In your Cash Isa

Transfer all or part of your Cash ISA funds to your Flexible Cash ISA with us.

Step 4

Enjoy Seamless Transfer

Track your transfer and know your savings are in safe hands.

Flexible Cash ISA
Summary Box

Expand All

Flexible Cash ISA

2.96% Tax Free/Gross* (Variable) / 3.00% Tax Free/AER** (Variable)
* Gross is the rate of interest payable without taking account of any tax payable.
** AER stands for Annual Equivalent Rate. This shows you what the interest rate would be if interest was paid and compounded once each year.
Interest is calculated daily and paid monthly on the 1st of each calender month.
  • Yes, this is a variable rate product so we may increase and decrease your interest rate. This is in line with our account's Terms and Conditions.
  • If we decrease your interest rate, we'll give you at least 14 days' notice. For increases, we will update you as soon as possible.
CurrencyInitial deposit at account openingInterest Rate (%)Estimated balance after 12 months
GrossAER
British Pound (GBP)
£1,000.002.96%3.00%£1,030.00
Important Notice:  Our interest rates may change. Kindly check the latest rates through your banking portal or mobile app after logging in.
This is an illustrative example only and does not represent your specific circumstances. It assumes no additional deposits or withdrawals; the interest rate is unchanged, and that interest is credited to the account. The estimated balance is calculated based on the annual interest rate.
    • Must be over 18, UK resident with a valid National Insurance number.
    • Open a Multi-Currency Current Account and apply for a Flexible Cash ISA from the dashboard. No minimum deposit is required.
    • Move money from Multi-Currency Current Account to start saving in your Flexible Cash ISA.
    • You can transfer all or part of your Cash ISA to iFAST for previous tax year, provided the funds are accessible. Please note that current year subscriptions must be transferred in full.
    • You can withdraw and replace money from your Flexible Cash ISA in the same tax year without losing any of your tax-free entitlement. See HMRC website for more details.
    • The maximum contribution you can put into a Flexible Cash ISA per tax year is currently £20,000 and is set by the UK government. For more details, see HMRC ISA Guidelines [Individual Savings Accounts (ISAs): Overview - GOV.UK]
    • Manage your Flexible Cash ISA online or in mobile app.
  • You can withdraw money form your Flexible Cash ISA or transfer it to another ISA provider at any time. There's no need to provide us with notice, and you won't lose the interest you've earned.
  1. You can only open one Flexible Cash ISA with iFAST Global Bank.
  2. If you decide to transfer your Flexible Cash ISA to another provider, you must transfer the entire amount of your current tax year's contributions.
  3. Tax treatment is dependent on the personal circumstances of each customer and may be subject to change in the future.

Have more Questions About Flexible Cash ISA?

Learn more about our Flexible Cash ISA. Visit our frequently asked questions (FAQ) page for further details.

Image displaying the currencies available for iFAST Global Bank: GBP, EUR, USD, HKD, SGD, and CNY.

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Tax-Free Interest Now!

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