This week's top ISAs explained

The best easy access cash ISA rates

Even though the base rate held steady last week, savers will be pleased to learn top returns on an easy access ISA have improved after the savings platform, Hargreaves Lansdown, launched a new account this morning (11 November 2025). Its HL Active Savings – HL ISA (powered by Shawbrook) offers 4.55% AER monthly on a £1 minimum deposit. This account can be opened and managed online and grants savers unlimited penalty-free access to their cash.

As a result, this sees Trading 212’s Cash ISA Promo Rate drop into second place on our chart. Nevertheless, it continues to offer a highly competitive 4.53% AER monthly on a £1 minimum deposit (inclusive of a 0.68% 12-month bonus available to applicants from Moneyfactscompare.co.uk who open the account online or via mobile app by 15 November 2025). It can be managed using the same means and permits an unlimited number of penalty-free withdrawals. What’s more, as a flexible ISA, the account lets you replace withdrawn funds without affecting your annual ISA allowance. But, before applying, it’s important to check Trading 212’s partner banks to make sure your money is protected by the Financial Services Compensation Scheme (FSCS).

Otherwise, the Moneybox Cash ISA remains competitive despite recently being reduced to pay 4.47% AER monthly (inclusive of a 0.77% bonus for 12 months). Another digital account, it can be opened and managed online or via mobile app with a slightly larger minimum deposit of £500. However, savers must keep in mind that its rate will plummet to 0.75% AER from the fourth withdrawal per year. They’ll also need to check the provider’s partner banks to find out whether their deposits will be covered by the FSCS.

The best fixed cash ISA rates

A new account similarly takes the lead on our one-year fixed ISA chart; Isbank’s Meteor Savings – 1 Year Fixed Rate Cash ISA offers 4.35% AER on maturity and is available online via the Meteor Savings platform which launched last week. Although savers can open this account with a £1,000 minimum deposit, they should consider their investment carefully as further additions are prohibited and early access is only granted upon account closure - subject to receiving no interest.

While the best two-year fixed ISA rate held steady at 4.16% AER this week, it can now also be found from a savings platform. UBL UK’s HL Active Savings – 2 Year Fixed Rate Cash ISA pays this rate once the account matures on 12 November 2027. It can be opened and managed online via the Hargreaves Lansdown Active Savings platform with a £1,000 minimum deposit. Again, further additions aren’t allowed, and early access is only permitted on account closure, subject to 180 days’ loss of interest.

Alternatively, the same rate remains available directly from UBL UK. Savers can open its 2 Year Fixed Rate Cash ISA online, in branch, by post or via mobile app with a larger, £2,000 minimum deposit. The account can then additionally be managed over the phone and pays interest either monthly, on anniversary or on maturity. Further additions are permitted for 10 days from opening, while early access on closure only is subject to a 180-day loss of interest penalty.

Elsewhere, the best three- and five-year fixed ISA rates went unchanged this week; both can continue to be found from Secure Trust Bank. After opening online with a £1,000 minimum deposit, its 3 Year Fixed Rate Cash ISA (11.Dec.28) and 5 Year Fixed Rate Cash ISA (10.Dec.30) pay 4.13% AER and 4.23% AER, respectively, on a yearly basis. These ISAs can then additionally be managed over the phone or via mobile app and accept further contributions for 30 days via a nominated account. Early access, meanwhile, is only available upon account closure, subject to 270 and 365 days’ loss of interest, respectively.

The best notice cash ISA rates

When it comes to the most competitive notice ISA rates, Harpenden BS spends another week at the top of our up to 30-day notice chart with its Online 14 Days’ Notice ISA Account (Issue 1) continuing to pay 3.79% AER yearly. As its name suggests, this account operates online with a £1,000 minimum opening deposit. Further additions to this amount are permitted without restriction. But, as there’s no option for early access, savers must serve 14 days’ notice before making a withdrawal via a nominated account.

Likewise, Tipton & Coseley BS continues to lead our up to 60-day notice ISA chart. Its 60 Day Notice ISA (Issue 2) pays 4.10% AER yearly on a minimum deposit of £1,000. Once opened in branch or by post, it can additionally be managed over the phone and accepts further contributions without restriction. While 60 days’ notice is needed before making a withdrawal, savers can gain early access to their cash subject to 60 days’ loss of interest. Note, all withdrawals must be made via cheque.

However, tech-savvy savers may prefer the provider’s 60 Day Notice ISA (Issue 2) (Mobile App Account) which offers the same rate and is subject to many of the same terms. After opening the account via mobile app, it can additionally be managed over the phone and requires all transactions to be made using a nominated account.