Today's top ISAs explained

Below, you can find out more about accounts offering some of the best easy access, fixed and notice cash ISA rates on the market. These products can all be accessed by new customers with minimum deposits of up to £10,000. Keep in mind higher rates may be available to existing customers or those with a larger initial deposit.

For a more detailed overview of the cash ISA market, visit our charts; alternatively, to find out more about these tax-free savings accounts, view our ISA guides.

The best easy access cash ISA rates

Trading 212 remains at the top of our easy access ISA chart, with its Cash ISA Promo Rate paying 4.68% AER monthly (which includes a 12-month 1.08% bonus for those who apply via Moneyfactscompare.co.uk by 13 April 2026). Keep in mind the promotional rate only applies to deposits made in the current tax-year. This account can be opened and managed online or via mobile app with a £1 minimum deposit and may appeal to savers who often dip into their pot as it allows unlimited penalty-free withdrawals. What’s more, as a flexible ISA, you can replace any withdrawn funds (within the same tax-year) without affecting your annual ISA allowance.

Plum continues to sit in second place on our easy access ISA chart. Its Plum Cash ISA pays 4.66% AER monthly (including a hefty 2.12% AER bonus for 12 months) on a minimum opening deposit of £1. This ISA, which is only available via mobile app, allows savers to add to and withdraw from their account without penalty or restriction. However, flexible ISA rules don’t apply. Bear in mind that those transferring in from another ISA will receive a lower 4.07% AER, which includes a 1.53% AER bonus rate for 12 months.

Still sitting behind these leading providers is the Tembo Cash ISA, which pays 4.55% AER monthly (including a 1.15% AER bonus for 12 months). This ISA is only available via mobile app and asks for an opening deposit of £10 or more. Savers can add to and withdraw from this ISA without restriction or penalty (withdrawals must be made via a nominated account) but should note that flexible ISA rules don’t apply.

Before applying for any of these accounts, it’s important to check the providers’ partner banks to make sure your money will be fully covered by the Financial Services Compensation Scheme (FSCS).

The best fixed cash ISA rates

AlRayan Bank continues to offer the best returns on a one-year fixed ISA, with its Meteor Savings – 1 Year Fixed Rate Cash ISA paying an expected profit rate of 4.25% AER on maturity. This account can be opened and managed online via the Meteor Savings platform with a £1,000 minimum deposit. However, savers should consider this amount carefully, as further additions are prohibited and early access is only allowed upon account closure, subject to 30 days’ loss of expected profit.

Those who want to secure a guaranteed return for longer, meanwhile, will find Castle Trust Bank has risen to the top of our two- and five-year fixed ISA charts after increasing its two- and five-year Fixed Rate e-Cash ISAs to pay 4.23% AER and 4.34% AER at maturity, respectively, on a £1,000 minimum deposit. These digital accounts operate online or via mobile app and accept further additions for 14 days from opening. They may particularly appeal to eco-conscious savers as the provider pledges to plant a tree for each new account funded within this window. But, keep in mind early access to cash is only available upon account closure, subject to a respective 180- and 360-day loss of interest penalty.

Similarly, the leading three-year fixed ISA rate edged higher following a new launch from Secure Trust Bank. Its 3 Year Fixed Rate Cash ISA (27.Apr.29) offers 4.14% AER yearly until the account matures on 27 April 2029. Once opened online with a £1,000 minimum deposit, it can additionally be managed over the phone or via mobile app and accepts further contributions for 30 days using a nominated account. As for early access, this is only allowed on closure of the account, subject to 270 days’ loss of interest.

The best notice cash ISA rates

Dudley BS continues to offer the top rate on ISAs with a notice period of up to 30 days. Its 30 Day Notice Cash ISA Online and 30 Day Notice Cash ISA Issue 2 pay 3.55% AER yearly on a minimum opening deposit of £100 or more, which savers can add to without restriction. As its name suggests, the former account is only available online while the latter is available in branch or via post. Although savers can make withdrawals without penalty if they’re willing to wait 30 days before receiving their money, they will incur a 30-day loss of interest if they want to access their money sooner.

Those willing to wait longer before accessing their cash will find better rates are available. Aldermore's online-only 60 Day Notice Cash ISA (Issue 10) tops our up to 60-day notice ISA chart and pays 4.15% AER monthly or on anniversary on a £1,000 minimum deposit. Savers can make further additions without restriction but, if they want to make a withdrawal without waiting the full notice period, they will incur a 60-day loss of interest penalty.

It should be noted that the leading easy access cash ISAs continue to pay higher rates of interest than these top notice ISAs.