This week's top ISAs explained

The best easy access cash ISA rates

After the top three easy access ISA rates fell last week, savers may be pleased to learn some have made a slight recovery.

Trading 212’s Cash ISA Promo Rate remains in the lead of our chart and continues to pay 4.51% AER monthly – inclusive of a 0.91% 12-month bonus for new customers who apply by 3 July 2026. (Note: you may need to enter the promo code ‘MFC’ to get the bonus rate). This account can be opened online or via mobile app with a £1 minimum deposit, after which it can be managed using the same means and allows both further additions and penalty-free withdrawals without restriction. What’s more, as a flexible ISA, savers can replace any withdrawn funds in the same tax-year without affecting their annual allowance.

However, it came under pressure from Plum after it raised its Plum Cash ISA to pay new customers 4.44% AER monthly (bolstered by a more substantial 1.88% 12-month bonus). This app-based account similarly requires a £1 minimum opening deposit, allows additions and penalty-free withdrawals without restriction, and follows flexible ISA rules. But, bear in mind that no interest will be paid for the month if the account is closed or a transfer out requested, and you won’t receive the bonus if this takes place before the first anniversary.

Following close behind is the Chip Smart Cash ISA which likewise was improved to offer 4.42% AER monthly (inclusive of a 0.65% bonus for 12 months). Another digital account, it can also be opened and managed via mobile app with a £1 minimum deposit and follows flexible ISA rules. Once again, savers can add to and make penalty-free withdrawals from this account without restriction, but no interest will be paid for the month if it’s closed or transferred out.

Importantly, savers should check the banks that each of these providers are partnered with to make sure their money will be fully protected by the Financial Services Compensation Scheme (FSCS).

The best fixed cash ISA rates

In contrast, many of the most competitive fixed ISA rates have dipped this week.

For instance, AlRayan Bank has adopted top spot on our one-year ISA chart after the formerly market-leading account was reduced. Its Shari’ah-compliant Meteor Savings – 1 Year Fixed Rate Cash ISA pays 4.70% AER at maturity and operates online via the Meteor Savings platform with a £1,000 minimum deposit. However, savers should consider this amount carefully as further additions aren’t allowed and early access is only available on account closure subject to the expected profit rate being reduced to 0.05% for 90 days (or the number of days the account has been open, if lower).

Meanwhile, Hodge Bank now shares the lead of our two-year ISA chart following recent reductions. Furthermore, it’s one of four providers to jointly top our three-year fixed ISA chart this week. Its online-only 2 and 3 Year Fixed Rate Cash ISAs pay 4.71% AER and 4.66% AER, respectively, either monthly or at anniversary on a £1,000 minimum deposit. Both options accept further contributions for 14 days via a nominated account and grant early access subject to a respective 180- and 270-day loss of interest penalty.

Close Brothers Savings’ two-year and three-year Fixed Rate Cash ISAs similarly offer the market-leading rates in these sectors but require a more substantial minimum deposit of £10,000 to open online. These accounts can additionally be managed by post or over the phone, accept further contributions and transfer instructions for 10 days, and pay interest yearly. Early access, however, is only allowed on closure of the account, subject to 180 and 270 days’ loss of interest, respectively.

Another option paying 4.66% AER (either monthly or on anniversary) is Aldermore’s 3 Year Fixed Rate Cash ISA. A £1,000 minimum deposit is needed to open and manage this account online – further additions to which are allowed for 14 days. ISA transfer forms must also be received within this window, while early access at any time is subject to a 180-day loss of interest penalty.

Otherwise, Castle Trust Bank’s three-year Fixed Rate e-Cash ISA pays the same rate after recently being reduced, while its five-year counterpart continues to offer 4.72% AER and leads our five-year ISA chart. Savers will need a £1,000 minimum deposit to open and manage either of these accounts online or via mobile app (although new customers can only apply via the website before gaining access to the app). Further additions are allowed for 14 days, but early access is only available on closure, subject to 270 and 360 days’ loss of interest, respectively. Nevertheless, these ISAs may particularly appeal to those wanting to do their bit for the environment, as the provider pledges to plant a tree for each account opened and funded within the 14-day window.

The best notice cash ISA rates

Elsewhere, there’s been no change to the top returns on notice ISAs this week. Dudley BS’s 30 Day Notice Cash ISA Issue 4 continues to offer the best rate for an ISA requiring savers to serve up to 30 days’ notice when making a withdrawal, while its 60 Day Notice Cash ISA Issue 3 still jointly leads our up to 60-day notice chart. These accounts, which pay 3.95% AER and 4.00% AER respectively on a yearly basis, are only available in branch or by post and ask for a £100 minimum deposit. Both accept further additions without restrictions but any transfers in must be from a minimum of £100. Early access (without serving the full notice period), meanwhile, is allowed subject to 30- and 60 days’ loss of interest, respectively. 

Alternatively, The Stafford BS’s Notice 60 Cash ISA also still offers 4.00% AER, while those willing to wait longer when making a withdrawal will find its Notice 90 Cash ISA continues to pay a higher 4.10% AER (and tops our up to 90-day notice ISA chart). A £100 minimum deposit is needed to open either option online, in branch or by post, after which interest is received yearly. Savers can continue to manage their account in branch or by post and make further contributions without restriction. However, it should be noted that only four withdrawals are permitted per society year (between 1 November and 31 October) and there’s no option for early access.