This week's top ISAs explained

The best easy access cash ISA rates

This week Trading 212 remains at the top of our easy access ISA chart with its Cash ISA Promo Rate continuing to pay 4.51% AER monthly. This includes a 0.66% bonus for 12 months for applicants who open an account by 15 October 2025 via Moneyfactscompare.co.uk. Available online or via mobile banking app with a minimum deposit of £1, this ISA allows unlimited, penalty-free access to your cash. Savers should note it also follows flexible ISA rules, meaning that they can replace funds withdrawn in the same tax year without it impacting their annual ISA allowance. It’s a good idea to check Trading 212’s partner banks to ensure your deposit will be covered under the Financial Services Compensation Scheme (FSCS) before opening.

After increasing the rate on its Moneybox Cash ISA, Moneybox now ranks second on our chart this week. Its ISA, available to open and manage online or by mobile app, offers 4.38% AER monthly inclusive of a bonus of 0.68% AER for 12 months. To secure this headline rate an opening deposit of £500 or higher is asked for and must be maintained, otherwise a considerably lower rate of 0.75% AER applies. While savers are allowed to dip into their pots, the lower rate also applies from the fourth withdrawal per year. Savers should once again check with this provider’s partner banks to make sure their cash is covered under the FSCS.

This sees the Plum Cash ISA slip into third place on our chart. Nevertheless, it continues to pay 4.37% AER monthly. This includes a 12-month bonus of 1.33% AER, however, savers should bear in mind that this doesn’t apply if the account is opened via transferring an existing ISA. Plum’s app-only ISA asks for an opening deposit of £1 or higher and now allows unlimited, penalty-free withdrawals after removing its previous restrictions this week.

The best fixed cash ISA rates

The Tembo Cash ISA – Fixed Rate maintains pole position on our one-year fixed ISA chart this week, paying 4.27% AER on maturity. This app-only account can be opened with a minimum deposit of £500, and, while it allows savers to add to their savings without restriction, earlier access is only permitted subject to a 90-day loss of interest penalty. Checking Tembo Money’s partner banks is important to make sure your money is covered under the FSCS.

Bath BS similarly remains in the top spot on our two-year fixed ISA chart, paying 4.15% AER yearly with its Two Year Fixed Rate ISA (Issue 10). Savers can open this account online, in branch or via mobile app with deposits of £1 or more, with the additional option to manage the account over the phone. This ISA allows further additions to the opening amount for 14 days and, while early access is permitted, it incurs a 180-day loss of interest penalty.

Two accounts come in first on our three-year fixed ISA chart this week after Secure Trust Bank increased the rate on its 3 Year Fixed Rate Cash ISA (20.Nov.28), to pay 4.11% AER yearly until the account matures on 20 November 2028. The provider asks for a minimum of £1,000 to open the account online, with the additional choice to manage by phone or mobile app. Savers can add to this opening amount for 30 days via a nominated account. Earlier access is subject to closure and will result in a 270-day loss of interest penalty.

UBL UK continues to jointly lead our three-year chart paying 4.11% AER (a slightly reduced rate from the previous week) on its 3 Year Fixed Rate Cash ISA. UBL UK also still tops our five-year fixed ISA chart with its 5 Year Fixed Rate Cash ISA, offering 4.22% AER. Both accounts pay interest on maturity, anniversary, quarterly or monthly. They can be opened and managed online, in-branch, by post or mobile app with the extra option to manage over the phone. A deposit of £2,000 or higher is required for opening and savers should note that further additions aren’t permitted. Furthermore, early access is only allowed on account closure and subject to a 270- and 365-day loss of interest penalty respectively.

The best notice cash ISA rates

There’s no change in this week’s leading notice ISA rates as Harpenden BS’s Online 14 Days’ Notice ISA Account (Issue 1) maintains lead position on our up to 30-day notice ISA chart. Continuing to offer 3.79% AER yearly, it requests an opening deposit of £1,000 or more. This online-only account allows savers to add to their pot without restriction but, if they want to dip into their money, there’s no option for early access. This means that the 14-day notice period must be served before they can retrieve their cash. Savers should also note that withdrawals must be made via a nominated account.

Aldermore also holds steady on our up to 60-day notice chart this week with its 60 Day Notice Cash ISA (Issue 8) still paying 4.16% AER on anniversary or monthly. This online-only account can be opened with a minimum deposit of £1,000 and allows savers to make further additions. Moreover, it has the benefit of following flexible ISA rules. Early access is only available on a 60-day loss of interest penalty, otherwise savers will have to wait the full term before accessing their pot.