The best cash ISAs this week

The best easy access cash ISA rates

The leading easy access cash ISA rates stayed the same this week, with Plum and Trading 212 continuing to jointly offer the top rate of 4.98% AER. The Plum Cash ISA pays this rate monthly, but savers should note that this headline rate includes a 1.67% bonus for 12 months. While savers can open an account with a £1 deposit, they need to deposit a minimum of £100 to access the bonus rate and should also consider that a lower rate of 3.29% AER will apply if they make more than three withdrawals from their account per year. This account is available via mobile app and, while it accepts transfers in from other ISAs, these savers won’t be eligible for the bonus rate so will also receive the underlying rate of 3.29% AER.

Alongside Plum, Trading 212 pays 4.98% AER monthly on its Cash ISA Promo Rate, which includes a 0.88% bonus for 12 months. To access this bonus, savers can open this account via Moneyfactscompare.co.uk before 17 July 2025 by depositing a minimum of just £1. Available online and via mobile app, this ISA doesn’t apply any restrictions or penalties on withdrawals, unlike the above ISA from Plum, and, as a flexible ISA, savers can replace any money they’ve previously withdrawn without affecting their ISA allowance.

Paying a lower 4.65% AER monthly, including a 0.70% bonus for 12 months, is the Moneybox Cash ISA. This ISA, which is available online and via mobile app to new customers, asks for a minimum deposit of £500. However, it may not be suitable for savers who want to dip in and out of their savings as a lower rate of 0.75% AER applies if they make more than three withdrawals within a 12-month period.

Remaining in third position on our easy access ISA chart is Tembo Money’s Tembo Cash ISA paying 4.64% AER monthly. Unlike the ISAs that sit above it, the Tembo Cash ISA doesn’t come with an introductory bonus rate so the rate won’t suddenly plummet after 12 months (although, as a variable ISA, the rate could still change). Savers can open and manage this ISA via mobile app with a minimum deposit of £10 and can add to and withdraw from their savings without restriction.

Before opening any of these accounts, check the provider’s partner banks to ensure your money will qualify for full protection under the Financial Services Compensation Scheme (FSCS).

The best fixed cash ISA rates

The top one-year fixed ISA rate available has risen to 4.35% AER this week, thanks to Chetwood Bank’s HL Active Savings – 1 Year Fixed Rate Cash ISA that pays 4.35% AER until 23 July 2026. Interest is paid on maturity (and compounded annually) on a minimum deposit of £1,000. However, savers should think carefully about how much they deposit as further contributions aren’t permitted and access to funds before the end of the term is only permitted on account closure, subject to a 120-day loss of interest. This ISA is available online via the Hargreaves Lansdown Active Savings platform.

Unfortunately for savers looking for a longer fix, the top two-year fixed ISA rate has fallen after Marsden BS withdrew its market-leading account. Vanquis Bank’s online-only 2 Year Fixed Rate Cash ISA now pays the leading rate of 4.23% AER monthly or on anniversary on an opening deposit of £1,000 or more. Savers can continue to add to this ISA for 30 days after opening (via a nominated account) and, if they need to withdraw their money before the end of the two-year term, this is permitted (via a nominated account), subject to a 180-day loss of interest penalty.

The top three-year fixed ISA rate also fell this week after United Trust Bank cut rates. This provider’s Cash ISA 3 Year Bond now pays 4.22% AER on anniversary alongside UBL UK’s 3 Year Fixed Rate Cash ISA which pays the same rate monthly, quarterly, on anniversary or on maturity. The account from UBL UK requires a minimum opening deposit of £2,000 and doesn’t accept any further contributions after this point, while earlier access to funds is only permitted on account closure, subject to 270 days’ loss of interest. Savers can open this account online, via mobile app, in branch or by post and manage it via the same means, as well as by phone.

Meanwhile, United Trust Bank requires a larger minimum opening deposit of £5,000 and allows savers to make further deposits (via a nominated account) for the next 14 days. Savers can also access their money before the end of the term via a nominated account, but this will incur a 320-day loss of interest. To open this fixed ISA, savers need to apply online but they can subsequently choose to manage it online, by post or by phone.

Castle Trust Bank continues to offer the leading five-year fixed ISA rate of 4.24% AER on maturity. However, this is now the only account offering this rate after Close Brothers Savings withdrew its ISA. The Fixed Rate e-Cash ISA from Castle Trust Bank pays this rate on a minimum opening deposit of £1,000, and savers can choose to add more to their account for 14 further days. However, they can only access their money before the end of the term by closing the account and incurring a 360-day loss of interest penalty. This ISA is available online or via mobile app and, as a “green” product, Castle Trust Bank will plant a tree whenever an account is opened and funded within the 14-day window.

The best notice cash ISA rates

The top of our notice ISA charts remains unchanged this week as Harpenden BS continues to pay the leading rate on ISAs with a notice period of up to 30 days. Its Online 14 Days' Notice ISA Account (Issue 1) offers 4.24% AER yearly on a minimum deposit of £1,000. While further deposits are allowed without restriction, savers need to wait 14 days before receiving any money they withdraw (and withdrawals must be made via a nominated account). As the name suggests, this ISA is only available online.

For a longer notice period of 60 days, savers can access a higher rate of 4.35% AER (paid yearly) thanks to the Notice 60 Cash ISA from The Stafford BS. Savers are able to open this ISA online, in branch or by post with a minimum deposit of £100, but can subsequently only manage it by post or by visiting a branch. While there are no restrictions on further deposits, savers need to wait 60 days before withdrawing any funds and only up to four withdrawals are permitted per year.

Bear in mind that the leading easy access cash ISAs continue to pay higher rates of interest than these top notice ISAs.