Today's top ISAs explained

The best easy access cash ISA rates

Savers looking to use their recently refreshed ISA allowance may be pleased to learn that a few providers marked the start of the new tax-year by raising rates on their easy access ISAs.

While Trading 212 continues to lead the sector, its Cash ISA Promo Rate now pays 4.61% AER monthly (inclusive of a 1.01% 12-month bonus on contributions made in the current tax-year for those who apply via Moneyfactscompare.co.uk by 13 April 2026). 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 What’s more, as a flexible ISA, you can replace any withdrawn funds (within the same tax-year) without affecting your annual ISA allowance.

This sees it narrowly better the Plum Cash ISA which also benefited from a rate increase to pay 4.60% AER monthly (inclusive of a more substantial 2.06% AER bonus for 12 months). Savers can operate this flexible ISA via mobile app with a £1 minimum deposit and make withdrawals without penalty or restriction. However, keep in mind that a lower (but still highly competitive) rate of 4.45% AER applies if you transfer in an existing ISA (inclusive of a 1.91% AER bonus for 12 months).

Elsewhere, Moneybox moves into third place on our chart after raising its Moneybox Cash ISA to pay 4.43% AER monthly (inclusive of a 0.98% 12-month bonus). A slightly more sizeable deposit of at least £500 is needed to open and manage this account online or via mobile app, and it should be noted that its rate will plummet to 0.75% AER from your fourth withdrawal per year.

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

Savers can continue to find the top returns on a one-year fixed ISA from high street bank, HSBC, with its Fixed Rate Cash ISA paying 4.50% AER at maturity. New and existing HSBC current account customers can apply for this ISA online, in branch, over the phone or via mobile app with a £500 minimum deposit. Once opened, it can then only be managed in branch or over the phone and allows further contributions for 30 days. This account also accepts ISA transfers within 70 days of opening, but only permits early access on closure, subject to 90 days’ loss of interest.

However, those who want to secure a guaranteed return for longer may be disappointed to learn the leading two-year fixed ISA rate has dipped to 4.45% AER today. Kent Reliance’s Two Year Fixed Rate Cash ISA – Issue 109 pays this rate either monthly or yearly after opening online or in branch with a £1,000 minimum deposit. It can then be managed using the same means and, unusually, accepts further contributions without restriction via bank transfer, cheque or cash in branch. As for early access, this is dependent on how the account was opened and is subject to 180 days’ loss of interest.

Otherwise, another high street name – Nationwide BS – continues to occupy top spot on our three-year ISA chart, while also now sharing first place on our five-year ISA chart (after the formerly market-leading rate was withdrawn). Its three- and five-year Fixed Rate Cash ISAs each pay 4.50% AER at anniversary on a £1 minimum deposit and operate online, in branch or via mobile app. But, savers must consider their opening amount carefully as further additions are prohibited and early access is only allowed on account closure, subject to 180 and 300 days’ loss of interest, respectively.

The best notice cash ISA rates

Dudley BS still offers the top rate for an up to 30-day notice ISA, with its 30 Day Notice Cash ISA Online Issue 2 and 30 Day Notice Cash ISA Issue 4 continuing to pay 3.75% AER yearly. Both of these accounts can be opened with a minimum deposit of £100, which savers can add to without restriction. As its name suggests, the former is only available online while the latter operates 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.