Cash ISA

Grow your savings, tax free

A savings account built for larger balances. A flexible ISA with up to £360,000 FSCS protection across three partner banks.

  • Earn up to 4.00% AER variable on new deposits (3.23% AER variable + 0.77% Sidekick Bonus for 6 months, on deposits up to £20,000).
  • Transfer an existing ISA and earn a cash bonus of up to £500, paid after 12 months and earn 3.23% AER variable on top.
Terms apply. The tax treatment of ISAs depends on your individual circumstances and may be subject to change in the future.
Sidekick app showing a Cash ISA account with ISA allowance tracker
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Two rates. Triple FSCS Protection. One account.

  • Your ISA savings are managed across three partner banks, offering up to £360,000 FSCS protection, all through a single Sidekick account.
  • Plus, because this is a flexible ISA, any money you withdraw can be put back in the same tax year - so you never lose the allowance you've already used.

Sidekick savings card showing 3.23% AER variable base rate

Move your ISA. Pick up a bonus.

Transfer your existing Cash ISA to Sidekick and receive a cash bonus of up to £500 after 12 months. The more you bring, the more you earn.

  • Transfer £10,000–£24,999, receive a £100 cash bonus
  • Transfer £25,000–£74,999, receive a £250 cash bonus
  • Transfer £75,000–£120,000, receive a £500 cash bonus

Why choose Cash ISA for your savings?

Our dedicated team is focused on maximising your wealth.

    A competitive rate

    Your rate is made up of two parts: a 3.23% AER variable base rate, plus a 0.77% Sidekick Bonus on new deposits for the first 6 months and up to £500 on an ISA transfer.

    Secure and protected

    Your savings are split across three Sidekick partner banks, each FSCS-protected up to £120,000. That gives you total coverage of up to £360,000 - three times the standard limit.

    Easy access

    The Sidekick Cash ISA is a fully flexible ISA. That means you can withdraw money whenever you need it - and re-deposit it later in the same tax year - without losing your annual ISA allowance. Not all Cash ISAs offer this. Ours does.

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Any questions on Cash ISA?

Quick answers to your top questions

  • New deposits earn 4.00% AER variable - made up of a 3.23% AER variable base rate plus a 0.77% Sidekick Bonus. The bonus rate applies to new deposits for the first 6 months, up to £20,000. After 6 months, the base rate of 3.23% AER variable applies. ISA transfers earn 3.23% AER variable plus a cash bonus of up to £500 maximum bonus per customer, paid after 12 months based on the remaining value of your qualifying ISA transfers at the 12-month mark. Terms apply.

  • When you transfer an existing Cash ISA to Sidekick, you earn a cash bonus based on the remaining value of your qualifying ISA transfers at the end of the 12-month mark: £100 for £10,000-£24,999 / £250 for £25,000-£74,999 / £500 for £75,000-£120,000. The bonus is paid into your Sidekick wallet after 12 months. Terms apply.

  • Yes. If you transfer an existing ISA and also make new deposits in the same tax year, you can benefit from both. Your new deposits earn up to 4.00% AER variable rate (including Sidekick Bonus) for 6 months on up to £20,000, and your transferred balance earns the 3.23% AER variable rate plus a cash bonus based on the remaining value of your qualifying ISA transfers at the end of the 12-month mark.

  • Your deposits are spread across three Sidekick partner banks. Each bank is FSCS-protected up to £120,000 per depositor - giving you total coverage of up to £360,000. This is calculated per depositor per bank, so the protection applies independently at each institution.

  • Yes. The Sidekick Cash ISA is a flexible ISA, which means you can withdraw money and re-deposit it within the same tax year without it counting against your annual ISA allowance of £20,000.