The best cash ISA rates this week

The best easy access cash ISA rates

Moneybox’s stint at the top of our easy access ISA chart comes to an end this week after the provider slashed returns on its Moneybox Cash ISA. Meanwhile Chip now takes the reins in the sector after increasing its Chip Cash ISA to 5.00% AER monthly when considering a 0.90% bonus for the first three months. Savers can open this app-based option from only £1 and can make an unlimited number of penalty free deposits and withdrawals. Adding to its appeal, this account operates as a flexible ISA, allowing you to remove and replace funds without impacting your annual ISA allowance.

Now offering the joint-next best returns following an increase, Trading 212’s Cash ISA Promo Rate pays 4.88% AER monthly to those with a comparable £1 deposit. This account includes a bonus 0.78% for 12 months for those applying through Moneyfactscompare.co.uk by 30 June 2025 and can be opened and managed online or via app. Likewise, it also follows flexible ISA rules and accepts deposits and withdrawals freely.

Alternatively, savers can now also receive 4.88% AER with Plum and its Plum Cash ISA which also rose; it pays interest monthly and is available via app. While it requires a £1 initial investment, keep in mind this account includes a considerable 1.57% 12-month bonus that is subject to maintaining a minimum £100 balance. This bonus is also forfeit if the account is opened via an ISA transfer. Otherwise, further additions can be made without restriction, while returns drop to an underlying 3.29% AER when making four or more withdrawals in a year or again if the balance falls below £100.

While Moneybox may have cut its leading rate, it since raised returns on its Moneybox Cash ISA, which now pays a respectable 4.65% AER when including a 0.70% 12-month bonus. From a £500 initial investment, new customers can open and manage this option either online or via app. They can also add to their pot at any time but should note that a lower 0.75% AER is paid when making four or more withdrawals a year. It’s also important to check this provider’s partner banks to ensure your money is protected by the Financial Services Compensation Scheme (FSCS).

The best fixed cash ISA rates

If you’re after a fixed rate ISA, you’ll be pleased to see changes across the market this week, with multiple sectors seeing welcome hikes to leading rates.

For instance, Cynergy Bank increased its Fixed Rate Cash ISA range and now offers the top one-year ISA rate, as well as jointly leading our two- and three-year charts. The former now pays 4.35% AER on anniversary, while the latter two options each offer 4.25% AER on the same basis. All three accounts can be opened online from £500 deposits and can be additionally managed by post or by phone. Bear in mind loss of interest penalties apply when attempting to access your cash early, set at 180 days’ for all terms, in addition to closure of the account. Also note that any additional cash deposits will instead be placed into the provider’s Variable Rate Cash ISA.

Meanwhile, United Trust Bank held onto its leading status across the two and three-year sectors by also raising returns to 4.25% AER. Its Cash ISA 2 and 3 Year Bonds now pay these rates on anniversary and can be opened online from £5,000 deposits; they can additionally be managed by post or by phone. You can add to your initial balances for up to 14 days after opening for either option (using a nominated account), while early access is subject to 270 or 320 days’ loss of interest depending on the length of the term. It’s also worth pointing out that interest for these accounts can be withdrawn annually on anniversary.

Nottingham Building Society slid into the leading five-year spot after introducing new issues of its ISAs; its 5 Year Fixed Rate Cash ISA 239 and 5 Year Fixed Rate Cash ISA 20, both offer 4.23% AER yearly from £500. While the former operates exclusively in branch, the latter can be opened and managed online or via app with both accounts accepting further deposits for up to 14 days after opening. Conversely, savers must be prepared to face 365 days’ loss of interest when making any transfers out before these ISAs mature on 31 July 2030.

The best notice cash ISA rates

Over on our notice ISA charts, Harpenden BS lengthens its stay at the top of the up to 30-days sector. Available online from a £1,000 minimum investment, its Online 14 Days' Notice ISA Account (Issue 1) pays 4.24% AER yearly and allows you to add to your initial balance without restriction. Early access, on the other hand, is prohibited and you’ll need to serve the full 14-day notice period (and use a nominated account) to access funds.

A higher 4.35% AER can be found by those willing to wait up to 60 days before accessing their money. The Stafford BS pays this rate yearly from £100 on its Notice 60 Cash ISA which can be opened online, in branch or by post; it can then be managed via the latter two options. Again, further additions can be made freely with this option, and you’ll be able to make up to four withdrawals each year subject to serving the full 60 days’ notice.