The best cash ISAs this week

Plum and Trading 212 continue to offer the leading easy access cash ISA rate but, after both providers made changes over the past week, this top rate has now fallen to 4.82% AER. The Plum Cash ISA pays this rate monthly (including a sizeable 1.53% AER bonus for 12 months). To access this bonus rate, savers need to deposit a minimum of £100 in the account and not make more than three withdrawals within a 12-month period, otherwise a lower rate of 3.29% AER will apply. Note that savers transferring in from another ISA won’t be eligible for the bonus rate so will receive the underlying rate of 3.29% AER. This account is only available via the Plum mobile app.

Trading 212’s Cash ISA Promo Rate also pays 4.82% AER monthly, but savers should note this includes a 0.72% bonus for 12 months, which is available by applying via moneyfactscompare.co.uk before 31 July 2025. This account is available online and via mobile app and requires a minimum opening deposit of £1. Savers can add to and withdraw from this account without any restriction and, as an added benefit, it follows flexible ISA rules which means replacing any money you’ve previously withdrawn won’t affect your ISA allowance. Bear in mind this ISA doesn’t accept transfers in from other ISAs.

Meanwhile, after raising rates, Moneybox pays a slightly higher 4.80% AER monthly on its Moneybox Cash ISA, which is available online or via mobile app. Including a bonus rate of 0.85% AER for the first 12 months, this account asks for a minimum opening deposit of £500. However, while savers can add to this ISA without restriction, the interest rate will drop to 0.75% AER if they make more than three withdrawals within 12 months.

Alternatively, new customers can access 4.65% AER monthly (including a 0.90% AER 12-month bonus) with Moneybox’s Open Access Cash ISA, which doesn’t apply any restrictions on withdrawals. However, savers should bear in mind that flexible ISA rules don’t apply. Also available online or via mobile app, this account requires a £500 minimum opening deposit.

Before opening any of these accounts, check the provider’s partner banks to ensure your money will qualify for full protection under the Financial Services Compensation Scheme (FSCS).

The market-leading one-year fixed ISA rate continues to come from Chetwood Bank’s HL Active Savings – 1 Year Fixed Rate Cash ISA, which pays 4.35% AER until 31 July 2026. This ISA is available online via the Hargreaves Lansdown Active Savings platform and asks for a minimum opening deposit of £1,000, but savers should think carefully about how much they deposit as further additions aren’t permitted after opening. If they want to access their money before the end of the term, this is only allowed on closure of the account, subject to a 120-day loss of interest. Interest on this ISA is compounded annually and paid out when the account matures.

Encouragingly for savers, the leading two-year fixed ISA rate edged higher over the past week after Cynergy Bank increased selected rates. The provider’s Fixed Rate Cash ISA now pays 4.20% AER on anniversary on a minimum opening deposit of £500, but savers should note that any further deposits (of a minimum of £100) can only be made into Cynergy Bank’s Variable Rate Cash ISA. If they want to withdraw their money before the end of the term, savers will need to close their account and will incur a 180-day loss of interest penalty. Savers can open this account online and manage it online, by phone or by post, and should bear in mind that the Cynergy Bank Authenticator App or Digipass is required to use online banking.

Unlike its two-year equivalent, the leading three-year fixed ISA rate dropped slightly this week after UBL UK cut rates. The Cash ISA 3 Year Bond from United Trust Bank now pays the top rate of 4.21% AER on anniversary on a minimum opening deposit of £5,000, which savers can add to for 14 further days (via a nominated account). While this ISA allows savers to withdraw their money before the end of the term (via a nominated account), this is subject to a 320-day loss of interest. However, savers can choose to withdraw their interest annually on anniversary, depending on their preferences. This account is available online and can also be managed by phone or by post.

For a longer fix, Castle Trust Bank’s Fixed Rate e-Cash ISA remains at the top of our five-year ISA chart paying 4.24% AER on maturity. This account, which is available online or via mobile app, requires a minimum deposit of £1,000 on opening and allows savers to make further deposits for the next 14 days. While savers can access their money before the end of the five-year term, this is subject to account closure and a 360-day loss of interest penalty. Eco-conscious savers may be interested to note that Castle Trust Bank will plant a tree whenever an account is opened and funded within the 14-day window.

Despite lowering the rate on its Online 14 Days' Notice ISA Account (Issue 1) to 4.04% AER last week, Harpenden BS continues to offer the leading rate on ISAs with a notice period of up to 30 days. This online-only account pays interest yearly on a minimum deposit of £1,000, which savers can add to without restriction. They can make withdrawals (via a nominated account) when they choose, but they will have to wait 14 days before receiving their money.

Savers can continue to find a higher notice ISA rate with the Notice 60 Cash ISA from The Stafford BS. Paying 4.35% AER yearly on deposits of £100 or more, this account doesn’t apply any restrictions on additional deposits but limits withdrawals to no more than four per year. Furthermore, it doesn’t allow earlier access so savers will need to wait 60 days before receiving their money. Savers can open this ISA online, in branch or by post and can subsequently manage it by the latter two methods only.

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