This week's top ISAs explained

The best easy access cash ISA rates

Competition in the easy access ISA market continued this week, with Trading 212 narrowly holding onto top spot after raising its Cash ISA Promo Rate to pay 4.40% AER monthly (inclusive of a 0.80% 12-month bonus for those who open the account via Moneyfactscompare.co.uk by 16 February 2026). This digital account requires a £1 minimum deposit to operate online or via mobile app and may appeal to savers who regularly dip into their pot as it permits unlimited penalty-free withdrawals. What’s more, as a flexible ISA, any withdrawn funds can be replaced without counting towards your annual ISA allowance.

However, it faced pressure from Moneybox which now sits in second place after increasing its Moneybox Cash ISA to pay 4.39% AER monthly (inclusive of a 0.94% AER bonus for 12 months). A slightly larger minimum deposit of £500 is needed to open and manage this account online or via mobile app; it should also be noted that a much lower rate of 0.75% AER applies from your fourth withdrawal per year. With both this and Trading 212’s account, it’s important to check the providers’ partner banks before applying to make sure your money will be covered by the Financial Services Compensation Scheme (FSCS).

Otherwise, Plum’s Plum Cash ISA still offers a highly competitive 4.36% AER monthly on a minimum deposit of just £1 (inclusive of a 1.82% AER bonus for 12 months). This account can be opened and managed via mobile app and allows savers unlimited penalty-free access to their cash. But, while it accepts transfers in from other types of ISAs (further details of which can be found on our chart), bear in mind this will forfeit the introductory bonus, and you’ll instead receive the lower, underlying rate of 2.54% AER.

The best fixed cash ISA rates

The past week also saw improvements at the top of some of our fixed ISA charts. For instance, Isbank now offers the best one-year fixed ISA rate after increasing its Meteor Savings – 1 Year Fixed Rate Cash ISA to pay 4.35% AER on maturity. This account can be opened and managed online via the Meteor Savings platform with a £1,000 minimum deposit – although this amount should be considered carefully as further additions are prohibited and early access is only available upon closure, subject to no interest being paid.

Savers can also open and manage AlRayan Bank’s Meteor Savings – 2 Year Fixed Rate Cash ISA online using the Meteor Savings platform. It continues to offer the best returns on a two-year fixed ISA, paying an expected profit rate of 4.15% AER at maturity on a £1,000 minimum deposit. Once again, further additions aren’t allowed and early access can only be gained upon account closure subject to a 30-day loss of interest penalty.

The best three-year fixed ISA rate also held steady at 4.15% AER and can continue to be found from Cynergy Bank. A £500 minimum deposit is needed to open its Fixed Rate Cash ISA online, after which it can additionally be managed by post or over the phone and pays interest on anniversary. While the provider accepts further contributions, note these will be paid into a Variable Rate Cash ISA. As for early access, this is subject to account closure and a 180-day loss of interest penalty.

It’s joined at the top of our three-year chart this week by the recently-increased Fixed Rate Cash ISA from Tandem Bank which pays interest monthly and may appeal to eco-conscious savers (who’ll be supporting the provider’s green lending initiatives). There’s no minimum deposit specified to operate this account via mobile app and further deposits can be made for 14 days from opening. Early access, however, is subject to a more substantial 270 days’ loss of interest.

However, those wanting to secure a fixed return for longer will find there’s been an uplift in the best five-year fixed ISA rate after Close Brothers Savings increased its 5 Year Fixed Rate Cash ISA to pay 4.21% AER yearly. A significant £10,000 minimum deposit is needed to open this account online, after which it can additionally be managed by post or over the phone and accepts further contributions for 10 days. Transfer instructions must also be received within 10 days of opening the account, while early access is subject to account closure and a 365-day loss of interest penalty.

The best notice cash ISA rates

In contrast to the positive movement seen elsewhere in the market, the best rate for an up to 30-day notice ISA has dropped to 3.55% AER this week. Two accounts from Dudley BS offer this market-leading rate; the 30 Day Notice Cash ISA Online pays interest yearly after opening online with a £100 minimum deposit. Further additions and early access are both permitted – the latter subject to 30 days’ loss of interest. Alternatively, those who prefer more traditional methods of banking could consider the provider’s 30 Day Notice Cash ISA Issue 2 which comes with many of the same terms and conditions but can be opened and managed in branch or by post.

While higher rates are still available if you’re willing to wait a little longer before making a withdrawal, the best returns on an up to 60-day notice ISA have also fallen. Aldermore’s 60 Day Notice Cash ISA (Issue 9) adopts top spot on our chart this week, paying 3.90% AER monthly or on anniversary. This account requires a £1,000 minimum deposit to open and manage online – further additions to which are accepted without restriction. Early access (without serving the full, 60-day notice period) can also be gained subject to 60 days’ loss of interest.