The best cash ISAs this week

The best easy access cash ISA rates

A cut from Chip leaves both Plum and Trading 212 battling for the market-leading spot on our easy access ISA chart this week. The former’s Plum Cash ISA now pays 4.98% AER monthly when considering a 1.67% bonus for an initial 12 months, and is available via the provider’s mobile app. Although it can be opened from £1, savers must always maintain a £100 minimum balance to secure the bonus rate, as well as having not opened the account through an ISA transfer – underlying 3.29% AER returns also apply if more than three withdrawals are made in the space of a year, while further deposits are accepted without restriction.

Now also offering the same returns, Trading 212’s Cash ISA Promo Rate includes a similar 12-month bonus, though in this case savers need to apply via Moneyfactscompare.co.uk before 17 July 2025 in order to receive a 0.88% boost to the standard rate. Likewise, only £1 is required as a minimum deposit, and the account can be opened and managed online or via app. This option may also appeal as it permits penalty-free access to your cash, and as a flexible ISA, cash can be withdrawn and replaced without affecting your annual ISA allowance.

Chip’s latest cut sees the Moneybox Cash ISA from Moneybox return to the top three; it pays 4.65% monthly from a £500 investment inclusive of a 0.70% for 12 months. Available online or via app to new customers, it’s worth checking this provider’s partner banks to ensure your money will be fully protected by the Financial Services Compensation Scheme (FSCS). Otherwise, you’ll be able to add to your pot freely with this account but will face a rate drop to 0.75% AER for making four or more withdrawals in a year, or if your balance drops below a £500 threshold.

Meanwhile, if you’re after an ISA with fewer restrictions, Tembo Money sits close behind, paying 4.64% AER monthly on its Tembo Money Cash ISA. This option can be opened and managed exclusively via app from a £10 initial investment and allows savers to both add to and withdraw their cash at any time.

The best fixed cash ISA rates

Unfortunately for savers in need of a one-year fixed rate ISA, top returns slipped this week; nevertheless, a competitive 4.32% AER is still available, with two providers now occupying the lead position on our chart. This includes Cynergy Bank’s Fixed Rate Cash ISA, which offers these returns yearly from a £500 deposit. It can be opened online and additionally managed by post or by phone, with the Cynergy Bank Authenticator App or Digipass needed to use online banking. While you can access your money before the end of the term, keep in mind this incurs a 180-day loss of interest penalty and is also subject to closing the account. Also be aware that any further additions won’t be deposited into the account and will instead be placed into one of the provider’s Variable Rate Cash ISAs.

Close Brothers Savings’ 1 Year Fixed Rate Cash ISA also offers joint-leading one-year returns, while the provider now shares pole position on our five-year ISA chart with its 5 Year Fixed Rate Cash ISA. These accounts pay 4.32% AER and 4.24% AER yearly respectively and can be opened online from considerable £10,000 investments before savers can additionally manage them by post or by phone. After this point, you’ll then have 10 days in which to make further deposits before locking away your cash, and you’ll only be able to make a withdrawal early if you close the accounts and suffer a 90- or 365-day loss of interest penalty depending on the length of the term.

Alternatively, the five-year variant of Castle Trust Bank’s Fixed Rate e-Cash ISA pays the same rate on maturity and may appeal for its smaller £1,000 opening amount. It operates online or by app and accepts additional contributions for an extended 14 days after opening. However, savers will find early access is subject to similar restrictions, including account closure and 360 days’ loss of interest.

Elsewhere, Marsden BS again holds down the top spot in the two-year ISA sector, paying 4.30% AER yearly to those with a £5,000 investment. Its online Fixed Rate Cash ISA (Issue 260) permits further additions for up to 14 days after opening, though as with other fixed accounts listed, savers should carefully consider these deposits as attempting to access funds prematurely results in 270 days’ loss of interest as well as account closure.

Also holding its place, savers wanting guaranteed rates for three years can again turn to United Trust Bank for the top rate, which now solely tops the sector after Cynergy Bank reduced returns. Requiring a £5,000 initial investment, the former’s Cash ISA 3 Year Bond offers 4.25% AER on anniversary and can be opened online; it can additionally be managed by post or by phone. Bear in mind, a nominated account is needed for any transactions for this option, including further contributions which are permitted for 14 days after opening, while early access is subject to a 320-day loss of interest penalty.

The best notice cash ISA rates

Despite changes in other areas of the ISA market, the best-performing notice ISA rates remain untouched for yet another week. For example, Harpenden BS maintains control in the up to 30 days’ bracket, with its Online 14 Days' Notice ISA Account (Issue 1) paying 4.24% AER on a yearly basis. It requires a £1,000 investment to open, which can be added to without restriction, however, savers must use a nominated account and serve the full 14 days’ notice period when making withdrawals. As its name suggests, this account operates entirely online, so you may need to look for alternative options if you prefer more conventional means to manage your money.

If you’re willing to wait up to 60 days’ to access your cash, a higher 4.35% AER (paid yearly) is available from The Stafford BS’ Notice 60 Cash ISA with a £100 deposit. While it can only be managed by post or in branch, this account can be additionally opened online, allowing savers to make up to four withdrawals each year and continue to add to their balance freely.