Cash ISA Current Year Promotional Rate

• Be a resident of the UK;
• Have no existing or previous Trading 212 account;
• Open a new Cash ISA account with us;
• Open your Cash ISA using the promotional link or code connected to this promotional campaign; and
• Make your first deposit of the minimum amount or more within 10 days of opening your Cash ISA with us - this must be during the current tax year.  

The promo rate is a fixed amount of extra interest paid on top of the standard interest rate. This will be paid for the fixed period advertised under the promotion, starting on when you open a Cash ISA using the promotional link or code. 

Once the promo rate period ends, only the standard rate will apply.

Yes, the standard interest rate is subject to change. Regardless, your promo rate will remain fixed for the duration of the promo rate period.

Our competitive standard interest rate is linked to the Bank of England (‘BoE’) base rate. We currently set our interest rate at 0.15% below the BoE’s base rate (‘T212 Tracking Rate’).  The T212 Tracking Rate is the percentage between the BOE’s base rate and what we decide to offer to you. 

Learn more about our Cash ISA standard interest rate (tracker) here.

Yes! The promo rate applies to amounts reported as a  current tax year contribution  by your old ISA manager, provided such amount meets the minimum deposit amount of £1, see here. ‘Current tax year contribution’ means that you have paid such an amount during the current tax year (which runs from 6 April to 5 April in the UK). 

If your old ISA manager does not report the transferred amount as a current tax year contribution in the Transfer History Form (‘THF’) given to us, the transferred amount will only earn our standard interest rate (see Cash ISA Promotional Rate T&C.)

For example:

• 20 September: £75,000 transferred in from another broker.
• 1 October: THF confirms £15,000 is from the current tax year.
• 2 October: Promo interest is adjusted in Pending interest. Pending interest (Cash ISA homepage) and Promo eligible cash (Interest on Cash dashboard) both increase.
• 3 October: Interest is paid.

After your transfer-in funds arrive, you will see this change in the Trading 212 app:

Yes – you can move funds from your Cash ISA to other Trading 212 products you have with us (Stocks & Shares ISA, Invest, CFD).

When you move money out of your Cash ISA, the deduction will be taken from your current tax year allowance first. Once your current tax year subscription balance is fully used, any further withdrawals will then be taken from your previous tax year subscription balance (if available).

Only deposits made in the current tax year during the active promotional period qualify for the promotional rate.

For example, a client has an active promotional rate from 20 October 2025 to 20 October 2026, once a new tax year (2026/2027) starts:

1. £10,000 deposited in 2025/26 (before 6 Apr 2026) → receive promo rate
2. £5,000 deposited between 6 Apr – 20 Oct 2026 → receive promo rate
3. £12,000 deposited after 20 Oct 2026 → promo expires, receive base rate

So in this example, a total of £15,000 deposited will receive the promo rate until the promotion expires on 20 October 2026.