This week's top ISAs explained

The best easy access cash ISA rates

Although some providers have raised rates over the past week, Trading 212’s Cash ISA Promo Rate continues to lead our easy access ISA chart with 4.51% AER (paid monthly). This includes a 0.91% bonus for 12 months for savers who apply via Moneyfactscompare.co.uk before 3 August 2026. You may need to enter the promo code “MFC” to access this rate. Savers can open and manage this ISA online or via mobile app and, after making an initial deposit of £1 or more, they can add to and withdraw from their account without restriction. This ISA has the added benefit of following flexible ISA rules, so savers can replace any funds they’ve withdrawn without affecting their ISA allowance, as long as they do this within the same tax-year.

After Plum increased rates, its Plum Cash ISA now pays 4.48% AER monthly, including a 12-month bonus of 1.94% AER. Note that any savers wanting to transfer in from another ISA will receive a lower 4.00% AER, including a 1.46% AER bonus for 12 months. This app-only ISA requires a minimum opening deposit of £1 and allows savers to make further deposits and withdrawals without restriction (with the added perk that it follows flexible ISA rules). However, bear in mind that no interest will be paid for the month if the account is closed or a transfer out is requested.

Chip also raised rates this week, with its Chip Smart Cash ISA now offering a higher 4.45% AER monthly on a minimum opening sum of £1. This headline rate includes a 0.70% AER bonus for 12 months. Like the previous ISA, this account is only available via mobile app and is a flexible ISA, allowing savers to dip in and out of their savings without restriction or penalty. But, if savers close the account or request a transfer out, no interest will be paid for that month.

Before applying for any of these ISAs, it’s important to check the providers’ partner banks to make sure your money will be fully covered by the Financial Services Compensation Scheme (FSCS).

The best fixed cash ISA rates

The leading one-year ISA and two-year ISA rates continue to come from AlRayan Bank, with its
1 Year Fixed Rate Cash ISA via Meteor Savings and 2 Year Fixed Rate Cash ISA via Meteor Savings paying expected profit rates of 4.70% AER and 4.65% AER respectively. Both accounts pay interest on maturity on a minimum deposit of £1,000 and can be opened and managed via the online Meteor Savings Platform. Savers should consider this opening amount carefully as they can’t make any further contributions after this point and, if they want to access their funds before the end of the term, this is only allowed on closure subject to receiving a reduced expected profit rate of 0.05% for 90 days (or the number of days the account has been opened if this is less than 90).

Despite reducing rates, Aldermore continues to offer the leading three-year fixed ISA rate of 4.62% AER on its 3 Year Fixed Rate Cash ISA. Savers can open this online-only account by depositing £1,000 or more and can choose to have interest paid monthly or on anniversary. They can make further deposits or transfer in to this ISA for 14 days after opening, but earlier access to funds is subject to a 180-day loss of interest penalty.

Unlike its shorter-term equivalents, the leading five-year fixed ISA rate edged higher this week after Tandem Bank increased its Fixed Rate Cash ISA to pay 4.67% AER monthly. Available via mobile app, this account doesn’t specify a minimum opening deposit and permits further additions for 14 days after the account is opened. However, if savers want to access their funds before the end of the five-year term, this is only permitted on closure, subject to a 365-day loss of interest penalty. Savers may be interested to note that, as a “green” product, opening an account means they will be supporting Tandem Bank’s green lending initiatives and helping to make UK homes more sustainable and environmentally friendly.

The best notice cash ISA rates

There’s been no change to the leading notice cash ISAs this week as Dudley BS continues to offer the leading rate of 3.95% AER on up to 30-day notice ISAs, as well as the joint leading up to 60-day notice ISA rate of 4.00% AER. Its 30 Day Notice Cash ISA Issue 4 and 60 Day Notice Cash ISA Issue 3 pay these rates yearly on a minimum opening deposit of £100, which savers can add to without restriction. Savers can make withdrawals without incurring any penalty if they wait the required 30- or 60-day notice period but, if they want their money sooner, they can request earlier access subject to a loss of interest penalty charge equivalent to the notice period. These accounts can be opened and managed in branch or via post.

The Notice 60 Cash ISA from The Stafford BS also pays 4.00% AER yearly, while its Notice 90 Cash ISA pays a higher 4.10% AER yearly to lead our up to 90-day notice ISA chart. Savers can open these accounts online, in branch or via post by depositing £100 or more but, once open, they can only manage them by visiting a branch or by post. While there are no restrictions on further deposits, savers can only make up to four withdrawals per society year (which runs from 1 November to 31 October) and, as there’s no option for earlier access, they will need to wait the full 60- or 90-day notice period before receiving their money. If savers want to transfer out their funds, they will need to serve the required notice period or incur an equivalent loss of interest penalty if they don’t want to wait this long.