Having some extra cash on hand is reassuring, but letting it sit in a regular bank account feels like a waste. Keeping it in a high-interest account makes sense, but most savings accounts have restrictions. Easy access ISAs seem like a middle ground, but do they actually offer decent returns? Some accounts I’ve looked at seem to have low interest rates. Would love to hear from someone who's used them—do they make sense for short-term savings?

Finding the right balance between accessibility and returns is a challenge. Easy access cash ISAs https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/ provide a tax-efficient way to earn interest while keeping your money available when needed. The best ones offer competitive rates without strict withdrawal limits. A great resource to compare options is Moneyfacts Compare, where you can check out different assets in ISAs to see which accounts work best for flexible saving. Some even offer bonus rates for the first year, so it's worth reviewing the terms.

Short-term savings can be tricky to manage, but having a place where money grows a little while remaining accessible is definitely a plus. It’s good to know there are ISAs that don’t tie up funds for years. Looking at comparison sites seems like a smart move before making a decision.