This week's top ISAs explained

The best easy access cash ISA rates

Trading 212 continues to lead our easy access ISA chart with its Cash ISA Promo Rate paying 4.40% AER monthly. This headline rate includes a 0.80% bonus for the first 12 months, which savers can access by opening the account via Moneyfactscompare.co.uk by 16 February 2026. Available online or via mobile app, this ISA requires a small minimum opening deposit of £1 and allows savers to add to and withdraw from their account without penalty or restriction. Moreover, as it follows flexible ISA rules, savers can replace any money they’ve withdrawn from this ISA within the same tax-year with no impact on their ISA allowance.

Moneybox remains in second position on our easy access ISA chart but, after adjusting the rate on its Moneybox Cash ISA, it now pays a slightly lower 4.32% AER monthly, including a 0.87% AER bonus for 12 months. Savers can open this ISA online or by mobile app by depositing £500 or more and can subsequently manage it via the same methods. However, they should think carefully whenever they want to withdraw from this ISA as a lower rate of 0.75% AER applies if they make more than three withdrawals in a 12-month period. Note that withdrawals must be made via a nominated account.

Before opening one of the above ISAs from Trading 212 or Moneybox, it’s worth checking the providers’ partner banks to make sure your money will be covered by the Financial Services Compensation Scheme (FSCS).

Elsewhere, Plum sits in third position on our chart for another week. But its Plum Cash ISA now pays a lower 4.30% AER monthly (including a sizeable 1.76% AER bonus for 12 months) after the provider amended the rate. This ISA, which can only be opened and managed via mobile app, requires a minimum opening deposit of £1 and allows an unlimited number of penalty-free withdrawals, although savers should note that flexible ISA rules don’t apply. If savers plan to transfer an existing ISA to the Plum Cash ISA, they will only receive 2.54% AER as they won’t be eligible for the introductory bonus rate.

The best fixed cash ISA rates

The top one-year fixed ISA rate edged lower this week and is now offered by two providers, including Isbank’s Meteor Savings - 1 Year Fixed Rate Cash ISA that pays 4.20% AER on maturity on a minimum opening deposit of £1,000. Available online via the Meteor Savings platform, this ISA only allows savers to access their money before the end of the term on closure of the account, subject to no interest being paid.

Also available via the Meteor Savings online platform is AlRayan Bank’s Meteor Savings - 1 Year Fixed Rate Cash ISA which pays a market-leading expected profit rate of 4.20% AER, as well as its Meteor Savings - 2 Year Fixed Rate Cash ISA which offers an expected profit rate of 4.15% AER to lead our two-year fixed ISA chart. These ISAs pay the expected rate on maturity on a minimum opening deposit of £1,000. While access before the end of the term is permitted, this will result in closure of the account and incur a 30-day loss of interest penalty.

While Cynergy Bank and Tandem Bank continue to offer the top three-year fixed ISA rate of 4.15% AER, this week they are joined by Aldermore after the provider raised rates on its online-only 3 Year Fixed Rate Cash ISA. Aldermore’s account pays interest monthly or on anniversary on a minimum opening deposit of £1,000, which savers can add to for 14 further days. Transfers in from other ISAs must also be made within the first 14 days. If savers need to access their funds before the end of the three-year term, this is only allowed subject to a 180-day loss of interest penalty.

Cynergy Bank’s Fixed Rate Cash ISA pays the same 4.15% AER on anniversary but requires a smaller opening deposit of £500 or more. Savers can open this ISA online and manage it online, by phone or by post, but should note that the Cynergy Bank Authenticator App or Digipass is necessary to access online banking. Any further deposits can only be made into a Variable Rate Cash ISA while earlier access to funds will result in 180 days’ loss of interest.

Also paying the leading three-year fixed ISA rate of 4.15% AER is Tandem Bank’s Fixed Rate Cash ISA. This account, which is only available via mobile app, may appeal to eco-conscious savers as deposits are used to support Tandem Bank’s green lending initiatives. When opening this ISA, the provider doesn’t specify a minimum deposit and allows savers to add to their pot for the next 14 days. However, if they want to withdraw money before the end of the term, they will incur a 270-day loss of interest penalty.

Encouragingly for savers wanting to lock in a guaranteed, tax-free return on their money for longer, the top five-year fixed ISA rate increased to 4.22% AER after increases from Castle Trust Bank and Hampshire Trust Bank.

The former’s Fixed Rate e-Cash ISA pays this rate on maturity on a minimum opening deposit of £1,000. While savers can add to this sum for the next 14 days, a 360-day loss of interest penalty will apply if they want to access their funds before the end of the term. This ISA is available online or via mobile app, but new customers can only open it through the provider’s website. As an additional feature, Castle Trust Bank will plant a tree whenever one of these accounts is opened and funded within the 14-day window.

Hampshire Trust Bank’s 5 Year Online ISA Fixed Saver (Issue 9) pays the same rate of 4.22% AER on anniversary. Savers can open this ISA online by depositing £1 or more and can make further additions for the next 14 days (via a nominated account) if they choose. Once open, savers can manage their account online or by phone but should note that a significant 450-day loss of interest penalty applies if they want earlier access to their funds.

The best notice cash ISA rates

Continuing to offer the best rate for an up to 30-day notice ISA is Dudley BS on its 30 Day Notice Cash ISA Online and its 30 Day Notice Cash ISA Issue 2. These accounts pay 3.55% AER yearly on a minimum opening deposit of £100 and allow further additions without restriction. However, if savers don’t want to wait the full 30-day notice period before receiving any withdrawals, a 30-day loss of interest penalty will apply for earlier access. As the name suggests, the 30 Day Notice Cash ISA Online is only available online while the 30 Day Notice Cash ISA Issue 2 can only be accessed by post or by visiting a branch.

While Aldermore’s 60 Day Notice Cash ISA (Issue 9) continues to pay 3.90% AER monthly or on anniversary at the time of writing, savers should be aware that the rate will drop to 3.65% AER from 11 February. This online-only account requires a £1,000 minimum opening deposit and, while it allows further additions, savers will need to wait 60 days to access their money without any penalty. If they want to withdraw funds without this notice period, they will lose 60 days’ interest.

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