The best cash ISAs this week

The best easy access ISA rate experienced a moderate decline over the past week and is now offered by Chip. Its Chip Cash ISA pays 4.70% AER monthly on a £1 minimum deposit, bolstered by a significant 1.66% AER bonus for the first three months. This account operates solely via mobile app and permits unlimited penalty-free access to your cash. What’s more, as a flexible ISA, you can replace any withdrawn funds without it contributing to your annual ISA allowance. Just be sure to check you’re still receiving competitive returns once its bonus expires.

Otherwise, Tembo Money continues to pay a highly competitive flat rate of 4.64% AER monthly with its Tembo Cash ISA. This fellow app-based account can be opened with a £10 minimum deposit and also allows savers to make an unlimited number of penalty-free withdrawals. But, before applying, it’s important to check the provider’s partner banks to make sure your money will be covered by the Financial Services Compensation Scheme (FSCS).

Finally, Trading 212 holds onto a top-three position on our chart with its Cash ISA Promo Rate now offering 4.46% AER monthly. Keep in mind this headline rate is inclusive of a 0.61% bonus that applicants via Moneyfactscompare.co.uk can obtain when opening the account online or via mobile app with a £1 minimum deposit by 15 August 2025. It can then be managed via the same means and not only permits an unlimited number of penalty-free withdrawals but also follows flexible ISA rules. Again, before applying, be sure to check the provider’s partner banks to find out whether your funds will be protected by the FSCS.

The best fixed cash ISA rates

Those concerned about the impact of the most recent and potential future base rate cuts on the savings market could consider securing a guaranteed return with a fixed ISA. Chetwood Bank continues to offer the market-leading one-year fixed ISA rate after marginally raising its HL Active Savings – 1 Year Fixed Rate Cash ISA to pay 4.32% AER when it matures on 20 August 2026. This account operates online via the Hargreaves Lansdown Active Savings platform with a £1,000 minimum deposit but prohibits additions to your opening amount and only permits early access upon account closure, subject to 120 days’ loss of interest.

Alternatively, savers in search of a longer fixed term will find Shawbrook Bank leads our two-, three- and five-year fixed ISA charts this week after raising its 2 Year Fixed Rate Cash ISA Bond Issue 99, 3 Year Fixed Rate Cash ISA Bond Issue 66 and 5 Year Fixed Rate Cash ISA Bond Issue 62 to offer 4.21% AER, 4.22% AER and 4.25% AER, respectively. All of these accounts can be opened online with a £1,000 minimum deposit and additionally managed over the phone. They may particularly appeal to those who want to regularly contribute to their savings pot, as each accepts further deposits without restriction. Early access, on the other hand, can be gained subject to a loss of interest penalty – for more information, visit our charts.

In contrast to the volatility on our easy access ISA chart, the best rates for a notice ISA held steady this week. Harpenden BS’s Online 14 Days’ Notice ISA Account (Issue 1) continues to offer the most competitive rate for an account requiring up to 30 days’ notice before making a withdrawal. After opening online with a £1,000 deposit, it pays 4.04% AER yearly and can be managed via the same means. But, while further additions are permitted without restriction, there’s no option for early access. As a result, savers will need to serve the full 14-day notice period when making withdrawals using a nominated account.

Meanwhile, those willing to serve a longer notice period before accessing their cash will find The Stafford BS’s Notice 60 Cash ISA continues to pay 4.35% AER yearly and occupies top spot on our up to 60-day notice chart. A £100 minimum deposit is needed to open this account online, in branch or by post. It can then continue to be managed in branch or by post and accepts further contributions without restriction. Again, there’s no option for early access; instead the account permits up to four withdrawals per year subject to 60 days’ notice.