Earn £28 Cashback on a 4.35% Easy Access ISA with No Fees

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If you’re looking for somewhere to stash your savings without locking it away — TopCashback are offering £28 cashback when you save £500 or more with Moneyfarm’s Cash ISA, paying 4.35% interest (as of writing).

Why it’s worth a look:

• £28 cashback from TopCashback (paid within 120 days)

• 4.35% interest on your savings – that’s a solid rate

• No fees – so nothing eats into your return

• Flexible ISA – you can withdraw money and replace it without affecting your ISA allowance

What’s a Flexible ISA?

A flexible ISA gives you the freedom to withdraw and redeposit money within the same tax year without losing your ISA allowance. For example:

• You deposit £500

• You withdraw £200 later in the year

• You can redeposit that £200 (as long as it’s within the same tax year) without affecting your £20,000 annual ISA limit

Let’s talk returns:

• You deposit £500

• You earn 4.35% interest (around £7.25 for the 120 days, assuming rates stay the same)

• You get £28 cashback from TopCashback (within 120 days)

That’s £35.25 total gain on £500 in your first 4 months— basically over a 21% averaged yearly return for no risk, no fees, and full flexibility. You can withdraw your money anytime, and your capital is held as cash (not invested in stocks), so there's no volatility.

Final thoughts:

If you’ve got some cash sitting in your current account or earning pennies in a low-interest savings account, this is a quick win. It’s a rare combo: solid interest, easy access, and free cashback.