This week's top ISAs explained

Last updated: 23 December 2025 at 13:40

The best easy access cash ISA rates

While Trading 212 continues to top our easy access ISA chart this week, its Cash ISA Promo Rate now pays a lower rate of 4.27% AER monthly. This headline rate is inclusive of a 0.67% bonus for 12 months which applicants via Moneyfactscompare.co.uk will receive upon opening the account online or via mobile app by 5 January 2026 with a minimum deposit of just £1. It can then be managed via the same means and allows an unlimited number of penalty-free withdrawals. What’s more, as a flexible ISA, you can replace any withdrawn funds without it counting towards your annual ISA allowance. But, before applying, it’s important to check the provider’s partner banks to make sure your money will be covered by the Financial Services Compensation Scheme (FSCS).

Further reductions in the sector also see Atom Bank move up our chart, as its Easy Access Cash ISA continues to pay a highly competitive 4.25% AER monthly. There’s no minimum deposit needed to open and manage this account via mobile app, and it permits both further additions and unlimited penalty-free withdrawals when made using a nominated account.

Otherwise, two accounts now offer the next best rate; Aldermore’s Reward ISA Single Access Account (Issue 7) pays 4.15% AER monthly or on anniversary after being funded with a £100 minimum deposit. This online-only account follows flexible ISA rules, however, it should be noted that a lower rate of 2.90% AER will apply if more than one withdrawal is made per year.

Similarly, the Double Access Cash ISA for Everyone from Teachers BS pays 4.15% AER yearly on a £100 minimum deposit but imposes an even lower rate of 1.25% AER if more than two withdrawals are made per year via a nominated account. Once opened online, it can additionally be managed over the phone.

The best fixed cash ISA rates

Those looking to lock in a guaranteed return using an ISA will find the best one- and three-year fixed rates have risen marginally over the past week, while the top two-year fixed rate has fallen. UBL UK currently leads each of these charts, with its 1, 2 and 3 Year Fixed Rate Cash ISAs paying 4.32% AER, 4.16% AER and 4.17% AER, respectively, at different intervals (for more information, visit our charts). These accounts all require a £2,000 minimum deposit to open online, in branch, by post or via mobile app, after which they can additionally be managed over the phone. Further contributions are accepted for 10 days from opening, however, early access is only available upon account closure subject to 90, 180 or 270 days’ loss of interest, respectively.

Meanwhile, the best five-year fixed ISA rate has also seen a slight improvement this week after Tandem Bank raised its Fixed Rate Cash ISA to pay 4.15% AER on a monthly basis. There’s no minimum deposit needed to apply for this app-only account; additions can be made for 14 days from opening and early access gained subject to a substantial 365-day loss of interest penalty.

The best notice cash ISA rates

Despite offering variable rates (which are often impacted by reductions to the Bank of England base rate), the best returns on notice ISAs have so far held steady. Harpenden BS’s Online 14 Days’ Notice ISA Account (Issue 1) continues to pay the top rate for an account requiring up to 30 days’ notice, at 3.79% AER. Interest is received yearly after opening the account online with a £1,000 minimum deposit. It can be managed via the same means but you must serve the full, 14-day notice period before making a withdrawal via a nominated account, as there’s no option for early access.

Similarly, Tipton & Coseley BS still offers the best rate for an ISA with a notice period of up to 60 days, even after withdrawing its 60 Day Notice ISA (Issue 2)(Mobile App Account) yesterday. Its counterpart, the 60 Day Notice ISA (Issue 2), continues to pay 4.10% AER yearly and can be opened in branch or by post with a £1,000 minimum deposit. The account can additionally be managed over the phone and early access (without serving the full, 60 days’ notice) can be gained subject to a 60-day loss of interest penalty. Note, all withdrawals must be made by cheque.