Use our free cash interest calculator to instantly compare interest rates on uninvested cash across all major UK brokers. Whether you hold cash in a Trading Account, ISA, or SIPP, our calculator shows how much interest you could earn annually with different providers. With broker interest rates ranging from 0% to over 4% AER, choosing the right platform for your cash deposits can significantly boost your returns. Simply enter your cash balances below to discover which broker offers the highest interest on your uninvested funds and maximize your earnings on cash awaiting investment.
Current Interest Rates by Broker and Account Type
All rates shown are Annual Equivalent Rate (AER) for GBP deposits. Rates may be subject to change.
Compare cash interest rates across all major UK investment platforms. Our comprehensive table shows current rates for Trading Accounts, ISAs, and SIPPs, helping you identify which brokers pay the best interest on uninvested cash. Interest rates vary significantly between providers - from 0% to over 4% AER - making it essential to compare before choosing where to hold your cash. Whether you're earning interest on short-term cash or awaiting investment opportunities, finding the highest rates can boost your returns substantially. Review the full comparison below to see which platform offers the most competitive rates for your account type.
| Broker | Trading Account | ISA | SIPP |
|---|---|---|---|
|
4.25% AER Effective: 15 September 2025 |
4.25% AER Effective: 15 September 2025 |
Provider does not offer a SIPP |
|
4.05% AER Effective: 1 January 2024 Interest rate applies to qualifying money market funds only |
4.05% AER Effective: 1 January 2024 Interest rate applies to qualifying money market funds only |
Provider does not offer a SIPP |
|
4.0% on balances up to £100,000 (Aggregate across all accounts) Effective: April 2025 |
See Trading column (Aggregate calculation) |
See Trading column (Aggregate calculation) |
|
0.75% up to £10,000 1.41% £10,000-£100,000 2.32% above £100,000 Effective: 25 August 2025 |
1.26% up to £10,000 1.51% £10,000-£100,000 2.43% above £100,000 Effective: 25 August 2025 |
1.92% up to £10,000 2.53% £10,000-£100,000 2.78% above £100,000 Effective: 25 August 2025 |
|
1.00% AER Effective: 1 September 2025 |
2.00% AER Effective: 1 September 2025 |
2.30% up to £100,000 2.65% above £100,000 Effective: 1 September 2025 |
|
1.06% AER (Investment Saver facility) Variable rate Minimum balance: £1 |
1.06% AER Variable rate Minimum balance: £1 |
1.66% AER Variable rate Minimum balance: £1 |
|
2.48% Effective: 1 September 2025 |
2.48% Effective: 1 September 2025 |
2.53% Effective: 1 September 2025 |
|
No interest paid Effective: Current |
No interest paid Effective: Current |
Provider doesn't offer a SIPP |
|
Basic: 1% up to £1,000 Standard: 3% up to £2,000 Plus: 5% up to £3,000 (Aggregate across all accounts) Effective: 1 March 2024 |
See Trading column (Aggregate calculation) |
See Trading column (Aggregate calculation) |
|
No interest paid Effective: Current |
No interest paid Effective: Current |
3.00% Effective: 28 August 2025 |
|
1.26% on first £10,000 1.36% on £10,000-£50,000 1.41% on £50,000-£100,000 1.56% on amounts over £100,000 Effective: 22 August 2025 |
1.76% on first £10,000 1.87% on £10,000-£50,000 2.07% on £50,000-£100,000 2.78% on amounts over £100,000 Effective: 22 August 2025 |
2.43% on first £10,000 2.48% on £10,000-£50,000 2.53% on £50,000-£100,000 3.04% on amounts over £100,000 Effective: 22 August 2025 |
|
Up to 3.51% AER (Asset-based rate calculation) Effective: Current Interest paid on cash above £8,000. Rate depends on total asset value held. |
See Trading column (Asset-based calculation) |
Provider does not offer a SIPP |
|
No interest paid Effective: Current |
No interest paid Effective: Current |
3.00% Effective: 28 August 2025 |
|
0% on first £5,000 1.0095% on amounts over £5,000 Effective: Current |
0% on first £5,000 1.0095% on amounts over £5,000 Effective: Current |
0% on first £5,000 1.0095% on amounts over £5,000 Effective: Current |
|
0.00% AER Effective: Current eToro does not pay interest on cash balances held in GBP |
0.00% AER Effective: Current eToro does not pay interest on cash balances held in GBP |
Provider does not offer a SIPP |