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Shares ISA question - ones that let you earn interest on your cash while you decide to invest it

Journalist: Samantha Downes

ended 23. March 2025

Hi I know AJ Bell has the Dodl app which lets savers earn a fixed rate of interest while they decide what to do with their stocks and shares ISA cash. ARe there any others?

2 responses from the Newspage community

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Anita Wright
Chartered Financial Planner at Ribble Wealth Management
The majority of DIY investment apps offer some form of interest on cash holdings, but the rates, terms and conditions can vary significantly. As ever, it's important DIY investors do their homework. Trading 212 offers interest on uninvested cash, varying by account type. Freetrade provides interest for premium (Plus) users, although standard users may not benefit. Hargreaves Lansdown pays tiered, variable interest on ISA and investment account cash. Wealthify offers low, market-dependent interest on cash holdings while Nutmeg provides cash interest in some accounts, but rates may be uncompetitive.
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Colin Low
Managing Director at Kingsfleet
There are numerous advised platforms which pay interest. Transact, Quilter, Fundment and Fidelity to name a few. A number of these also offer competetive Fixed Term Deposits within their SIPP and ISA offerings too.

These can give clients a great way of balancing (or moderating) their risk and work extremely well if a client has a target date to make a withdrawal within a medium to short timeframe, without the need for a cumbersome ISA transfer.