This week's top ISAs explained

The best easy access cash ISA rates

Trading 212 occupies the top spot on our easy access ISA chart this week, with its Cash ISA Promo Rate paying an increased rate of 4.33% AER monthly, inclusive of a 0.73% bonus for 12 months for those who apply online or by mobile app via Moneyfactscompare.co.uk by 19 January 2026. This ISA pays interest monthly and asks for a small minimum opening deposit of £1. It also allows savers unlimited, penalty-free withdrawals. What’s more, as this account follows flexible ISA rules, any withdrawn funds can be replaced within the same tax-year without impacting your annual ISA allowance. Before opening, it’s important to check Trading 212’s partner banks to ensure any money deposited is protected under the Financial Services Compensation Scheme (FSCS).

Following a rate increase, Plum’s Plum Cash ISA takes second place on our chart. It offers 4.32% AER monthly, including a 1.78% AER, 12-month bonus. It requires a minimum opening deposit of £1 to open via mobile app and allows unlimited, penalty-free access to savers’ cash.

Moneybox’s Moneybox Cash ISA also benefited from a rate increase this week, now paying 4.30% AER – inclusive of a 0.85% AER 12-month bonus. It can be opened online or via mobile app by new customers with a deposit of £500 or more, however, a considerably lower rate of 0.75% AER applies if more than three withdrawals are made within the year, or if your balance dips below £500. Savers should check Moneybox’s partner banks to ensure their funds will be covered under the FSCS before opening an account.

The best fixed cash ISA rates

After drops at the top of our one-year fixed ISA chart, Investec Save’s 1-Year Fixed Rate Cash ISA currently leads the sector, paying 4.12% AER on maturity. This online-only ISA can be opened with a minimum deposit of £1,000, an amount which savers can add to for seven more days from opening. Early access is allowed on closure only, subject to a 90-day loss of interest penalty.

There have been drops at the top of our two-year fixed ISA chart, too, with Tandem Bank now taking pole position. The provider’s Fixed Rate Cash ISA offers 4.15% AER monthly and is available to open via mobile app. No minimum opening deposit is stated, and savers can continue to make contributions for 14 days. If savers wish to access their money early, this is subject to a 180-day loss of interest penalty. This ISA may particularly appeal to the eco-conscious, as by opening an account you are supporting Tandem Bank’s green lending initiatives and helping to make UK homes more sustainable and environmentally friendly. It also follows flexible ISA rules.

Kent Reliance now leads our three-year fixed ISA chart. Its Three Year Fixed Rate Cash ISA – Issue 2 pays 4.16% AER monthly or yearly and is available online or in branch with an opening deposit of £1,000 or more. Any further contributions need to be made via cash in branch or by cheque or bank transfer, and if savers opt to access their money before the end of the three-year term, this is subject to a 270-day loss of interest. It’s worth noting that the withdrawal method depends on how the account is opened.

Continuing to top our five-year fixed ISA chart is Hampshire Trust Bank with its 5 Year Online ISA Fixed Saver (Issue 7), holding steady at 4.16% AER. This ISA pays interest on anniversary and needs a minimum deposit of £1 to be opened online. Once funded, it can additionally be managed over the phone. If savers want to make further contributions, they have 14 more days to do so via a nominated account. If early access is required, it is subject to a 450-day loss of interest penalty.

The best notice cash ISA rates

There’s been no change to the leading notice ISA rates this week.

Maintaining its first-place position on our up to 30-day notice ISA chart is Harpenden BS. Its Online 14 Days’ Notice ISA Account (Issue 1) still pays 3.79% AER yearly and requires a minimum opening deposit of £1,000 to open online. Further additions can be made without restriction, however, there’s no option for early access so savers will need to wait the full 14-day notice period before getting to access their withdrawn money. Any withdrawals should be made via a nominated account.

Topping our up to 60- and up to 90-day notice ISA chart again this week is Tipton & Coseley BS’s 60 Day Notice ISA (Issue 2). This ISA pays interest yearly and is available in branch or by post with a minimum opening deposit of £1,000, an amount which can be added to without any restriction, with the extra option to manage the account over the phone after initial funding. Early access is allowed, however, it’s subject to a 60-day loss of interest penalty. Savers should note that all withdrawals must be made via cheque.