As of 13 August 2026, AI can only partly choose a cash ISA.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open GOV.UK and the official pages for the cash ISAs you are considering, then collect the current rate, ISA type, fixed term, access rules, withdrawal penalties, transfer rules, minimum deposit and eligibility conditions.
   2. Write down the amount you want to save, when you may need it, whether you need instant access, how often you might withdraw and your preferred fixed term.
   3. Paste those details and the provider information into the prompt, keeping each provider's name and source link beside its terms.
   4. Ask the chatbot to produce the comparison table, shortlist and trade-offs without filling gaps or estimating missing figures.
   5. Open each provider's current product page and GOV.UK guidance, then compare every rate, condition, eligibility rule and transfer detail in the answer against the source.
   6. Ask the chatbot to revise or remove any claim that does not match the sources, then contact the provider to confirm the final terms before opening or transferring an ISA.
   7. Ask a qualified financial adviser for personal advice if the choice involves complex tax circumstances, a large sum, or consequences you cannot assess yourself.

   Prompt

   Help me compare cash ISAs available in the UK. This is not professional advice, and do not present your answer as a regulated personal recommendation.
   
   My situation:
   - Amount to deposit: [amount]
   - When I may need the money: [date or timescale]
   - Do I need instant access: [yes or no]
   - How often I may withdraw: [answer]
   - I am willing to fix the money for: [term]
   - My priorities, in order: [for example, access, rate, simplicity]
   - Relevant tax or ISA details: [details, or say unknown]
   
   I will paste current provider information below. Use only the facts I provide or information from current GOV.UK and the provider's own page. Do not invent or estimate rates, dates, tax rules, eligibility conditions, deposit protections or withdrawal penalties. If a fact is missing or may have changed, mark it as "check required".
   
   For each account, extract the provider, ISA type, rate and whether it is variable or fixed, term, access conditions, withdrawal restrictions or penalties, transfer rules, minimum deposit, eligibility and any relevant date. Then make a clear comparison table, identify the best fit for my stated priorities, and give two alternatives with the trade-off for each. Separate facts from your reasoning. Finish with a checklist of the exact details I must confirm on the provider's site before opening the account, and say when I should ask a qualified financial adviser instead.
   
   Current provider information:
   [paste links, rates and terms here]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.