Savers who have Cash ISAs are being urged to take motion and transfer their money to a higher paying account which really beats inflation, after the newest figures were launched this week.
On Wednesday, the Office for National Statistics announced the newest set of Consumer Price Index (CPI) inflation figures, pegging inflation at 3.8% for September.
It means, successfully, that the worth of money has dropped by 3.8% on average thanks to rising costs.
Those with financial savings are impacted too, because unless your Cash ISA financial savings account is producing increased curiosity than inflation, you are shedding money. For instance, if inflation is 3.8% but you’re only getting 2.8% curiosity, you are shedding 1% of your money’s spending energy, as your curiosity isn’t retaining up with inflation.
And according to Finder, the average simple access variable Cash ISA account in the UK proper now is giving savers a charge of just 1.99%, which is effectively below the inflation charge of 3.8%.
Finder says: “The UK’s average on the spot access financial savings charge was 2.26% as of September 2025. This is down from a 13-year high of 2.82% in January 2024. Meanwhile, the average variable money ISA rate of interest was 1.99% as of September 2025. This is down from a peak of 3.37% in October 2023 but up from 1.69% in June 2025.”
With easy access Cash ISAs offering a lower-than-inflation return right now, turning to fixes is the best way to keep ahead of inflation.
Finder adds: “Savers can generally find higher rates in fixed-rate ISAs, where you lock your money away for a set period. The average savings interest rate for a 1-year fixed rate ISA was 3.98% in September 2025, down from 5.48% in October 2023.”
But with a charge of 4% in a repair, you’d still be getting more money than inflation. And some Cash ISAs on the market proper now will do even higher than that.
Right now, Trading212 has an simple access Cash ISA which will give a boosted 3.85% variable – just above inflation – but with a 0.66% bonus for new prospects taking it to 4.51%.
For fixed time period, Vida Savings will at present give 4.28% fixed for 12 months, while Investec gives 4.27%. UBL UK gives 4.23% while Natwest presents 4.2%.
All of these are increased than the present 3.8% inflation charge, which means you’re growing your money rather than shedding it.
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