This week's top ISAs explained

The best easy access cash ISA rates

While Trading 212 remains at the top of our easy access ISA chart, the gap between its market-leading account and the competition narrowed after Moneybox and Plum increased rates.

Paying the top rate of 4.40% AER monthly (including a 0.80% bonus for 12 months) is Trading 212’s Cash ISA Promo Rate, which savers can access by applying via Moneyfactscompare.co.uk before 2 March 2026. This ISA is available online or via mobile app and asks for a minimum opening deposit of just £1. It may particularly appeal to those who are likely to dip in and out of their savings as it allows further deposits and withdrawals without restriction or penalty and, as it follows flexible ISA rules, savers can replace withdrawn funds with no impact to their ISA allowance.

Following close behind is the Moneybox Cash ISA, paying an increased rate of 4.39% AER monthly, which includes a 0.94% AER bonus for 12 months. Available online or via mobile app, this account requires a larger minimum opening deposit of £500 and, unlike Trading 212, it only allows three penalty-free withdrawals in a 12-month period. If savers make more withdrawals than this, they will receive a significantly lower 0.75% AER. Before opening this ISA or Trading 212’s account, it would be a good idea for savers to check the providers’ partner banks to ensure their money will be covered by the Financial Services Compensation Scheme (FSCS).

Plum also raised rates last week, so its Plum Cash ISA now offers a more competitive 4.38% AER monthly. This includes a 12-month bonus of 1.84% AER, but those transferring in from another ISA should bear in mind that they will receive a lower rate of 4.00% AER (including a 1.46% AER bonus for 12 months). Available via mobile app, this ISA can be opened with a minimum deposit of just £1 and doesn’t apply any restrictions or penalties on further deposits or withdrawals. However, savers should note that flexible ISA rules don’t apply.

The best fixed cash ISA rates

The leading one-year fixed ISA rate remains at 4.20% AER this week and continues to be offered by two providers, including Isbank. Its Meteor Savings – 1 Year Fixed Rate Cash ISA, which is available online via the Meteor Savings platform, pays this rate on maturity on an opening deposit of £1,000 or more. Once open, savers can’t make any further additions to this account and, if they want to withdraw any money before the end of the term, this is only allowed on account closure, subject to no interest being paid.

Also leading our one-year fixed ISA chart is AlRayan Bank’s Meteor Savings – 1 Year Fixed Rate Cash ISA, which pays an expected profit rate of 4.20% AER on maturity, while its Meteor Savings – 2 Year Fixed Rate Cash ISA tops our two-year fixed ISA chart by paying an expected profit rate of 4.15% AER on maturity. Savers can open both accounts online via the Meteor Savings platform by depositing £1,000 or more but should note they won’t be able to add to this amount during the term. To access their money before one-year term ends, savers will need to close their account and incur a 30-day loss of interest penalty.

Encouragingly, the leading three-year fixed ISA rate edged higher this week after Close Brothers Savings increased returns on selected accounts. As a result, it now leads our three- and five-year fixed ISA charts, with its 3 Year Fixed Rate Cash ISA paying 4.16% AER and its 5 Year Fixed Rate Cash ISA offering 4.25% AER. Interest is paid yearly. Savers can open these accounts online by making a hefty deposit of £10,000 or more, with the option to make further contributions (including transfers in) for the next 10 days. Once open, they can manage their account online, by phone or by post but should note that access to their savings before the end of the term is only allowed on closure, subject to a 270-day (three-year) or 365-day (five-year) loss of interest penalty charge.

The Fixed Rate e-Cash ISA from Castle Trust Bank also pays the top five-year fixed ISA rate of 4.25% AER. It pays this rate on maturity on a minimum opening deposit of £1,000, which savers can add to for 14 further days. This account is available online or via mobile and only permits savers to access their funds before the end of the term on closure, subject to 360 days’ loss of interest. Because Castle Trust Bank plants a tree when one of these ISAs is opened and funded, it may be of interest to eco-conscious savers who want their money to be used for environmental causes.

The best notice cash ISA rates

The leading notice ISA rates remain the same this week, as Dudley BS continues to offer the top rate on ISAs with a notice period of up to 30 days. Its 30 Day Notice Cash ISA Online and 30 Day Notice Cash ISA Issue 2 pay 3.55% AER yearly on a minimum opening deposit of £100 or more, which savers can add to without restriction. As its name suggests, the former account is only available online while the latter is available in branch or via post. Although savers can make withdrawals without penalty if they’re willing to wait 30 days before receiving their money, they will incur a 30-day loss of interest if they want to access their money sooner.

A higher rate of 3.80% AER, paid yearly, is available with the 60 Day Notice ISA (Issue 2) from Tipton & Coseley BS. Savers can open this ISA by post or by visiting a branch with a minimum deposit of £1,000, with the additional option to manage their account by phone after this point. While they can add to their account without restriction, savers will need to serve the 60-day notice period to make a withdrawal without incurring any penalty. If they want to access their money sooner, they will forfeit 60 days’ interest. Bear in mind that all withdrawals must be made via cheque.

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