This week's top ISAs explained

The best easy access cash ISA rates

Trading 212’s Cash ISA Promo Rate continues to pay 4.51% AER monthly, maintaining pole position on our easy access ISA chart this week. This is inclusive of a 0.66% bonus for 12-months to those who apply through Moneyfactscompare.co.uk before 31 October 2025. This account, available to savers online and by mobile app, asks for a minimum deposit of £1 and allows unlimited, penalty-free access to their money. Savers may be interested to note that it follows flexible ISA rules, meaning that any withdrawn funds can be replaced in the same tax year without affecting their annual ISA allowance. Trading 212’s partner banks should be checked before opening this account to make sure your cash is covered under the Financial Services Compensation Scheme (FSCS).

After increasing the rate on its Plum Cash ISA, Plum, which was in third place last week, now comes in second on our chart, paying 4.45% AER monthly. This app-only account includes a 12-month bonus of 1.41% AER and requires an opening deposit of £1 or more. Savers should bear in mind the bonus rate isn’t applicable if they open their account via transferring an existing ISA. Additionally, unlimited penalty-free withdrawals are permitted.

Following Plum’s increase, Moneybox slips into third place on our chart but continues to pay 4.38% AER monthly on its Moneybox Cash ISA. This headline rate includes a 12-month bonus of 0.68% AER on balances above £500. However, a lower rate of 0.75% AER will apply should savers make more than three withdrawals in 12 months via a nominated account, or if their balance dips below £500. Accessible online or by mobile app, savers should check this provider’s partner banks to ensure that their deposit is covered under the FSCS.

The best fixed cash ISA rates

Vida Savings takes top position on our one-year fixed rate ISA chart this week after a rate increase, paying 4.28% AER on anniversary or monthly on its 1 Year Fixed Rate ISA. This account can be opened online with a minimum deposit of £100 and further managed via mobile app. Although savers can add to their pots for 21 days after opening via a nominated account, early access is subject to a 90-day loss of interest penalty.

Following increases to the rates on several of UBL UK’s cash ISAs this week, these changes see the provider lead our two- and three-year fixed ISA charts and maintain its joint lead of our five-year fixed ISA chart.

UBL UK’s 2 Year Fixed Rate Cash ISA offers the highest rate on our two-year fixed ISA chart. This ISA pays 4.16% AER on maturity, anniversary or monthly and is available to open online, in-branch, by post or via mobile app. Additionally, there’s the further option of managing it over the phone. To open this account savers must make a deposit of £2,000 or more. Savers should note they can’t add to this amount so may want to choose it carefully. Moreover, earlier access is only allowed subject to account closure and a 180-day loss of interest penalty. These same conditions also apply to the provider’s chart-topping 3 Year Fixed Rate Cash ISA paying 4.12% AER and the 5 Year Fixed Rate Cash ISA offering 4.22% AER; the only difference (other than their terms) being that early access is subject to a 270- and a 365-day loss of interest penalty respectively and both offer the added option of interest quarterly.

Castle Trust Bank shares the top position on our five-year fixed ISA chart after increasing the rate on its Fixed Rate e-Cash ISA, also paying 4.22% AER on maturity. Available online and by mobile app, this ISA requires a deposit of £1,000 or higher to open and allows further contributions for 14 days. New customers should be aware that they must first open this account online, after which they’ll gain access to the mobile app and can use it to open further accounts. Although earlier access is permitted, this is only subject to account closure and a 360-day loss of interest penalty. Eco-conscious savers may be interested to know that for every account opened and funded in the 14-day window, Castle Trust Bank will plant a tree.

The best notice cash ISA rates

Harpenden BS holds firm with its Online 14 Days’ Notice ISA Account (Issue 1), continuing to pay 3.79% AER yearly and topping our up to 30-day notice ISA chart. This online-only account states a minimum opening deposit of £1,000 and allows further additions without restriction. However, as early access isn’t permitted, savers must serve the full 14-day notice period to access their funds.

After reductions to last week’s leading rate, two accounts from Tipton & Coseley BS top our up to 60-day notice ISA chart this week.

Its 60 Day Notice ISA (Issue 2) (Mobile App Account) pays 4.10% AER yearly. Further contributions to a minimum opening deposit of £1,000 are allowed without restriction but earlier access is subject to a 60-day loss of interest penalty. Otherwise, savers will need to wait 60 days to access their money. It can be opened via mobile app and can also be managed over the phone. Savers should keep in mind that all withdrawals from this ISA must be made via a nominated account.

The provider’s 60 Day Notice ISA (Issue 2) also pays 4.10% AER yearly and is available via branch and post with the added option to manage the ISA over the phone. Additionally, it can be opened with deposits of £1,000 or higher. Any withdrawals must be made via cheque, and earlier access will result in a 60-day loss of interest penalty.