This week's top ISAs explained

The best easy access cash ISA rates

This week, Trading 212’s Cash ISA Promo Rate remains at the top of our easy access ISA chart, continuing to offer 4.33% AER monthly, inclusive of a 0.73%, 12-month bonus available to those who apply online or by mobile app via Moneyfactscompare.co.uk by 2 February 2026. This ISA requires a small minimum opening deposit of £1 and allows savers unlimited, penalty-free withdrawals. As the account follows flexible ISA rules, any withdrawn funds can be replaced within the same tax-year without affecting your annual ISA allowance. It's important to check the provider’s partner banks before opening to make sure all funds deposited will be covered under the Financial Services Compensation Scheme (FSCS).

Following a rate increase, the Moneybox Cash ISA now comes in second place on our chart, alongside Plum which maintains its position from last week. Moneybox now pays 4.32% AER monthly on its ISA, which can be opened online or via mobile app by new customers with a minimum deposit of £500. Although savers should bear in mind that a considerably lower rate of 0.75% AER applies from the fourth withdrawal in a year, or if the account balance falls below £500. Before opening, it’s best to check Moneybox’s partner banks to ensure your cash will be protected under the FSCS.

Plum still pays 4.32% AER monthly on its Plum Cash ISA – including a 1.78% AER bonus for 12 months. A minimum deposit of £1 is needed to open this ISA by mobile app, and, what’s more, it allows unlimited, penalty-free access to savers’ money.

After Moneybox’s increase, Atom Bank’s Easy Access Cash ISA now places third on our easy access ISA chart, continuing to offer an attractive flat rate of 4.25% AER. This ISA pays interest monthly and states no minimum deposit to open via mobile app, providing savers with unlimited, penalty-free access to their pots.

The best fixed cash ISA rates

There’s been an increase at the top of our one-year fixed ISA chart this week, with AlRayan Bank’s Meteor Savings – 1 Year Fixed Rate Cash ISA paying an expected profit rate of 4.20% AER. The provider also tops our two-year fixed ISA chart, offering 4.15% AER on its Meteor Savings – 2 Year Fixed Rate Cash ISA. Both pay interest on maturity and are available online via the Meteor Savings platform, with a deposit of £1,000 or more. Further additions can’t be made, so savers should choose their opening amount carefully. Early access is allowed on closure only and is subject to a 30-day loss of interest penalty.

Cynergy Bank currently provides the best three-year fixed ISA rate, offering 4.15% AER on its Fixed Rate Cash ISA (a marginally lower rate than last week’s top account). Interest is paid on anniversary and a minimum of £500 is needed to open the account online – after which it can also be managed by post or over the phone. It should be noted that the Cynergy Bank Authenticator App or Digipass is required to use online banking. If savers want to make further contributions they must be a minimum of £100 and be deposited into a variable rate Cash ISA, while early access is on closure only and subject to a 180-day loss of interest penalty.

Taking pole position on our five-year fixed rate ISA chart is Shawbrook Bank after launching its 5 Year Fixed Rate Cash ISA Bond Issue 65. The ISA pays 4.17% AER monthly or on anniversary on a minimum opening deposit of £1,000, which can be added to without restriction. Available online, once funded there’s the extra option to manage it by phone and, if savers want early access to their cash, this is subject to a 360-day loss of interest penalty.

The best notice cash ISA rates

There remains no change to the leading notice ISA rates this week.

Continuing to take first place on our up to 30-day notice ISA chart is Harpenden BS. The provider’s Online 14 Days’ Notice ISA Account (Issue 1) pays 3.79% AER yearly and asks for a minimum deposit of £1,000 to open online, an amount which savers can add to without restriction. There’s no option for early access, so savers will need to serve the 14-day notice period before gaining access to their withdrawn funds (which must be made via a nominated account).

Still sitting at the top of our up to 60- and up to 90-day notice ISA charts this week is Tipton & Coseley BS’s 60 Day Notice ISA (Issue 2), paying 4.10% AER yearly. Available in branch or by post with a minimum opening deposit of £1,000 – savers can make further contributions without restriction, with the option to manage the account by phone after funding. If savers need early access to their pots, it’s subject to a 60-day loss of interest penalty. Note any withdrawals should be a minimum of £500 and must be made by cheque.