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The Cash ISA Trap: why three-quarters of UK savers are quietly losing money

Apr 17, 2026

•

4 min read

The Cash ISA Trap: why three-quarters of UK savers are quietly losing money

Three-quarters of UK ISA money sits in cash. The gap between cash ISA returns and a stocks and shares ISA runs to hundreds of thousands of pounds. Here's the maths.

Tim Felmingham
Tim Felmingham

I am not a financial adviser, and nothing on this site is personal financial advice. It's my own experience and opinion, shared for information and education. Investing involves risk — you can lose money as well as make it, and past performance is never a guarantee of future results. Please do your own research, and speak to a qualified professional if you're unsure before making any investment decisions.

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