Best ISA rates this week

Savers will be pleased to learn the best returns on an easy access ISA jumped to 4.51% AER this week. This rate is available from Trading 212 when considering the 0.66% 12-month bonus that applicants via Moneyfactscompare.co.uk will receive when opening its Cash ISA Promo Rate online or by mobile app by today (30 September 2025). This account can then be managed using the same means and pays interest monthly on a £1 minimum deposit. Furthermore, it permits unlimited penalty-free access to your cash and, as a flexible ISA, lets you replace any withdrawn funds without it counting towards your annual ISA allowance. But, before applying, it’s important to check this provider’s partner banks to make sure your money will be covered by the Financial Services Compensation Scheme (FSCS).

Otherwise, Plum continues to occupy second place on our chart with its Plum Cash ISA offering 4.37% AER monthly (inclusive of a 1.33% AER bonus for 12 months). While this account can be opened and managed via mobile app with just a single pound deposit, it should be noted the boosted rate only applies to balances of £100 or more. Any time the funds in your account fall below this threshold, or if you exceed the three permitted penalty-free withdrawals per year, the underlying rate of 3.04% AER will apply. Similarly, you’ll also receive the lower rate when transferring in funds from an existing ISA.

If you’d prefer a rate that isn’t bolstered by an introductory bonus, meanwhile, you could consider the Online Single Access ISA (Issue 1) from Harpenden BS. This online-only account offers a highly competitive 4.31% AER yearly on a £1 minimum deposit. However, it may not be best suited to those who regularly dip into their savings pot as it only permits one withdrawal per year using a nominated account before the rate plummets to 1.60% AER.

The best fixed cash ISA rates

In contrast, some of the most competitive fixed ISA rates have either dropped or disappeared over the past week. Chetwood Bank’s HL Active Savings – 1 Year Fixed Rate Cash ISA, for instance, now pays 4.28% AER once the account matures on 2 October 2026. Nevertheless, the provider holds onto top spot on our one-year fixed ISA chart and also continues to lead our five-year fixed ISA chart with its HL – Active Savings 5 Year Fixed Rate Cash ISA paying 4.26% AER yearly until it matures on 2 October 2030. Both accounts operate online via the Hargreaves Lansdown Active Savings platform with a £1,000 minimum deposit. However, be sure to consider your opening amount carefully as further additions aren’t allowed and early access is only available upon account closure subject to 90 and 360 days’ loss of interest, respectively.

Elsewhere, Bath BS now solely offers the best two-year fixed ISA rate of 4.15% AER following a reduction from Vanquis Bank. The mutual’s Two Year Fixed Rate ISA (Issue 10) can continue to be opened online, in branch or via mobile app and pays interest yearly on a £1 minimum deposit. The account can additionally be managed over the phone and accepts further contributions for 14 days. Early access, meanwhile, is subject to a 180-day loss of interest penalty.

Similarly, UBL UK adopted pole position on our three-year fixed ISA chart after Darlington BS withdrew its formerly market-leading account and United Trust Bank reduced selected rates. The former’s 3 Year Fixed Rate Cash ISA can be opened online, in branch, by post or via mobile app with a slightly more substantial £2,000 minimum deposit and pays 4.19% AER either monthly, quarterly, on anniversary or on maturity. While the account can additionally be managed over the phone, it should be noted that further additions are prohibited, and early access can only be gained upon account closure subject to 270 days’ loss of interest.

The best notice cash ISA rates

Meanwhile, the best returns on notice ISAs held steady for another consecutive week. Harpenden BS, for example, continues to offer the best rate for an ISA requiring up to 30 days’ notice before making a withdrawal with its Online 14 Days’ Notice ISA Account (Issue 1) paying 3.79% AER yearly. A £1,000 minimum deposit is needed to open and manage this account online – further additions to which are permitted without restriction. But, as there’s no option for early access, keep in mind you’ll need to serve the full, 14-day notice period before accessing your cash using a nominated account.

Those willing to wait a little longer before making a withdrawal will still find higher rates are available (albeit none that can better the market-leading returns paid by an easy access ISA). Aldermore’s 60 Day Notice Cash ISA (Issue 8) continues to pay 4.16% AER monthly or on anniversary and sits at the top of our up to 60-day notice chart. This account can be opened and managed online with a £1,000 minimum deposit and accepts further additions without restriction. What’s more, it permits early access without serving the full 60-day notice period subject to 60 days’ loss of interest and follows flexible ISA rules.