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Prosper Launches Flexible 4.5% Cash ISA with Conditions

2/20/2026

48 4 Full Breakdown

Summary

Story summary

Prosper offers a new cash ISA at 4.5% with a £10,000 minimum deposit.
The ISA is flexible and allows withdrawals and replacements without affecting the annual allowance.
Transfers from other ISAs are not accepted.
The rate includes a 12-month boost, after which it will drop by one percentage point below the Bank of England's base rate, and new tax rates on interest take effect in April 2027.

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Story summary

Prosper offers a new cash ISA at 4.5% with a £10,000 minimum deposit.
The ISA is flexible and allows withdrawals and replacements without affecting the annual allowance.
Transfers from other ISAs are not accepted.
The rate includes a 12-month boost, after which it will drop by one percentage point below the Bank of England's base rate, and new tax rates on interest take effect in April 2027.