The best cash ISAs this week

Encouragingly for savers, the leading easy access cash ISA rate remained the same this week and continues to be offered by Chip. The Chip Cash ISA pays 4.70% AER monthly, but savers should note that this includes a sizeable bonus of 1.66% AER for just three months, after which the rate will drop significantly. This ISA, which is only available via mobile app, asks for a small minimum opening deposit of £1 and allows further deposits and withdrawals without any restrictions. Moreover, as this ISA follows flexible ISA rules, any money that savers withdraw and deposit back into their account in the same tax-year won’t count towards their ISA allowance.

After Tembo Money cut its rates, Trading 212’s Cash ISA Promo Rate now finds itself in second position on our charts, despite offering a lower rate than last week. It now pays 4.42% AER monthly, including a 0.57% bonus for 12 months, which savers can access by applying for the account via Moneyfactscompare.co.uk before 31 August 2025. Available online or via mobile app, this ISA requires a £1 minimum deposit and allows savers to add to and withdraw from their savings without restriction. Before opening, check the provider’s partner banks to ensure your money will qualify for full protection under the Financial Services Compensation Scheme (FSCS).

Meanwhile, Plum continues to offer 4.41% AER monthly on its app-only Plum Cash ISA, which includes a 1.37% AER bonus for 12 months. However, this bonus only applies on deposits of £100 or more, on condition that savers make no more than three withdrawals from their account each year. If they make more than four withdrawals or the balance drops below £100, a lower rate of 3.04% AER will apply. Moreover, any savers transferring in from another ISA aren’t eligible for the bonus rate, so they too will receive 3.04% AER.

The best fixed cash ISA rates

The HL Active Savings – 1 Year Fixed Rate Cash ISA from Chetwood Bank continues to pay the leading one-year fixed ISA rate of 4.32% AER. With interest paid on maturity on a minimum deposit of £1,000, this account doesn’t permit savers to make any further deposits after opening. However, if they want to access their money before the end of the term, this is allowed on closure of the account, subject to a 90-day loss of interest penalty. This ISA is available online via the Hargreaves Lansdown Active Savings platform.

Meanwhile, Shawbrook Bank continues to offer the leading rates on longer-term fixed ISAs. Its 2 Year Fixed Rate Cash ISA Bond Issue 99 pays 4.21% AER to lead our two-year fixed ISA chart while its 3 Year Fixed Rate Cash ISA Bond Issue 66 pays a marginally higher 4.22% AER to top our three-year fixed ISA chart. Or, for an even longer fix, the 5 Year Fixed Rate Cash ISA Bond Issue 62 offers the market-leading five-year fixed ISA rate of 4.25% AER.

These ISAs all pay interest monthly or on anniversary. Savers can open any of these accounts online by depositing £1,000 or more and, once open, they can manage their account online or by phone and can continue to add to their savings during the fixed term without restriction. However, note that any transfers in from other ISAs must be made at the same time as the initial application. If savers want to access their savings before the end of the fixed term, this is only allowed subject to a 180-day (two-year), 270-day (three-year) or 360-day (five-year) loss of interest penalty.

The best notice cash ISA rates

The top notice ISAs remain the same this week, with the Online 14 Days' Notice ISA Account (Issue 1) from Harpenden BS continuing to pay the leading rate on accounts with notice periods of up to 30 days at 4.04% AER yearly. This online-only account requires a minimum deposit of £1,000, which savers can add to without restriction. All withdrawals must be made via a nominated account and, because earlier access isn’t allowed, savers need to wait 14 days before receiving their money.

For a longer notice period of 60 days, savers can access a higher 4.35% AER, paid yearly, thanks to the Notice 60 Cash ISA from The Stafford BS. Savers can open this account online, by post or by visiting a branch with a minimum deposit of £100, but can subsequently only manage it in branch or via post. While they can make further deposits whenever they choose, savers should note that this account only allows up to four withdrawals per year, with each withdrawal coming with a 60-day notice period.

Bear in mind that the leading easy access cash ISAs continue to pay higher rates of interest than these top notice ISAs.