Cash Interest Calculator - Compare Broker Interest Rates

Enter Your Cash Amounts

Please enter the amount of cash you expect to hold in each selected account. This should only include uninvested cash balances, not the value of any investments.

Our calculator shows you the annual interest you could earn on your cash deposits across different brokers and account types. Interest rates shown are for GBP cash deposits only.

Trading Account Cash £:

ISA Cash £:

SIPP Cash £:

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.

Trading Account	ISA	SIPP
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 HL Charges & Rates 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 HL Charges & Rates 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 HL Charges & Rates Effective: 22 August 2025
0.75% up to £10,000 1.41% £10,000-£100,000 2.32% above £100,000 ii Cash Interest Rates Effective: 25 August 2025	1.26% up to £10,000 1.51% £10,000-£100,000 2.43% above £100,000 ii Cash Interest Rates Effective: 25 August 2025	1.92% up to £10,000 2.53% £10,000-£100,000 2.78% above £100,000 ii Cash Interest Rates Effective: 25 August 2025
4.0% on balances up to £100,000 (Aggregate across all accounts) IG Help & Support Effective: April 2025	See Trading column (Aggregate calculation)	See Trading column (Aggregate calculation)
Basic: 1% up to £1,000 Standard: 3% up to £2,000 Plus: 5% up to £3,000 (Aggregate across all accounts) Freetrade Blog Effective: 1 March 2024	See Trading column (Aggregate calculation)	See Trading column (Aggregate calculation)
1.31% up to £10,000 1.41% above £10,000 AJ Bell Interest Rates Effective: 1 June 2025	1.81% up to £10,000 2.02% £10,000-£100,000 2.57% above £100,000 AJ Bell Interest Rates Effective: 1 June 2025	2.52% up to £10,000 2.68% £10,000-£100,000 2.98% above £100,000 AJ Bell Interest Rates Effective: 1 June 2025
1.11% AER (Investment Saver facility) Barclays Smart Investor Variable rate Minimum balance: £1	1.11% AER Barclays Smart Investor Variable rate Minimum balance: £1	1.66% AER Barclays Smart Investor Variable rate Minimum balance: £1
2.70% Fidelity Cash Management Effective: 1 August 2025	2.70% Fidelity Cash Management Effective: 1 August 2025	2.75% Fidelity Cash Management Effective: 1 August 2025
No interest paid Lloyds Share Dealing Charges Effective: Current	No interest paid Lloyds Share Dealing Charges Effective: Current	3.55% Lloyds SIPP Guide Effective: 18 November 2024
4.05% AER Trading 212 Interest Rates Effective: 1 January 2024 Interest rate applies to qualifying money market funds only	4.05% AER Trading 212 Interest Rates Effective: 1 January 2024 Interest rate applies to qualifying money market funds only	Not supported