An Individual Savings Account (ISA) is a UK account type with specific tax rules set by the government. In the 2026 tax year, eligible UK residents can usually place up to £20,000 across ISA products, subject to current HMRC guidance and provider terms.
Providers offer several ISA formats with different access rules, charges and risk levels. Because rates, product features and eligibility details can change, it helps to read the latest provider information before opening, transferring or adding money to an account.
This page gives a general summary of the main ISA categories and some of the rules commonly shown in provider literature.
Cash ISAs: Main Features
Cash ISAs are savings accounts that sit within the ISA rules. Providers may offer easy-access, notice or fixed-term versions, and each option can have different withdrawal conditions.
When comparing accounts, readers often check access terms, introductory conditions, transfer rules and whether the quoted rate is variable or fixed for a stated period.