This cash ISA has the highest interest rate since 2008
Trading 212's latest offering has an impressive 5.2% variable AER
www.telegraph.co.ukHere’s the latest I can share on Trading 212 Cash ISA interest rates.
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Trading 212 has offered cash ISA rates that have been among the higher options in the UK market in recent years, with reports in 2024–2025 highlighting rates around 5% (variable AER) at peaks, and later adjustments tied to BoE base rate moves. For context, multiple outlets cited 5.2% variable AER at one point, and others referenced around 4.5–4.9% depending on opening time and promotional terms. These figures are subject to change with BoE decisions and the provider’s rate tracker updates.[3][4][8]
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The Cash ISA interest rate is described by Trading 212 as being linked to the BoE base rate, with the company noting updates to how interest is calculated and daily or frequent adjustments based on the BoE rate. This means rates can move up or down in response to policy changes.[7]
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Ongoing market coverage and user discussions (e.g., MoneySavingExpert forums) have documented rate changes on specific effective dates (e.g., early 2025 and mid-2025) as BoE decisions influenced spreads and promotional levels. If you opened at a particular time, your rate could differ from someone who opened on a different date due to these adjustments.[2][8]
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For the most current figure, you’d typically log in to Trading 212 and view the Cash ISA “Interest Rate Tracker” or the Cash ISA account page, which should show the current AER and any promotional or boosted period if applicable. The provider’s help center and product pages emphasize that rates are variable and base-rate-linked.[10][7]
Illustration: How rate changes might affect a £10,000 balance
- If the current rate is 5.0% AER, annual interest ≈ £500 before tax.
- If the BoE cut moves the rate to 4.0% AER, annual interest would drop to ≈ £400 before tax.
- If a promotion or boost applies (e.g., a higher rate for the first few months), the initial interest could be higher for that window, then revert to the standard BoE-linked rate. These dynamics have appeared in historical coverage and user discussions.[8][3]
What I can help with next
- I can summarize the exact current rate from Trading 212’s Cash ISA page if you share a screenshot or confirm you want me to look it up. I can also compare current Trading 212 rates to a few high-street alternatives to help you decide where to park cash tax-free.[4][7]
Citations:
- Trading 212 Cash ISA promotional/competitiveness coverage and rate figures (examples cited include 5.2% and 4.5–4.9% bands).[3][4]
- Cash ISA rate changes and promotions tied to BoE base rate movements and public discussions.[2][8]
- Official note that Cash ISA interest is BoE-base-rate linked with rate-tracker updates.[7]
- Trading 212 Cash ISA product pages and rate-tracker references.[10]