Today's top ISAs explained

Below, you can find out more about accounts offering some of the best easy access, fixed and notice cash ISA rates on the market. These products can all be accessed by new customers with minimum deposits of up to £10,000. Keep in mind higher rates may be available to existing customers or those with a larger initial deposit.

For a more detailed overview of the cash ISA market, visit our charts; alternatively, to find out more about these tax-free savings accounts, view our ISA guides.

The best easy access cash ISA rates

Trading 212 remains at the top of our easy access ISA chart, with its Cash ISA Promo Rate paying 4.68% AER monthly (which includes a 12-month 1.08% bonus for those who apply via Moneyfactscompare.co.uk by 13 April 2026). However, keep in mind the promotional rate only applies to deposits made in the current tax-year. The account can be opened and managed online or via mobile app with a £1 minimum deposit and may appeal to savers who often dip into their pot as it allows unlimited penalty-free withdrawals. What’s more, as a flexible ISA, you can replace any withdrawn funds (within the same tax-year) without affecting your annual ISA allowance.

Meanwhile, Plum continues to sit in second place with its Plum Cash ISA paying 4.66% AER monthly on a minimum opening deposit of £1 (inclusive of a hefty 2.12% AER bonus for 12 months). This ISA, which is only available via mobile app, allows savers to add to and withdraw from their account without penalty or restriction. But, bear in mind flexible ISA rules don’t apply. Those transferring in from another ISA should also note they'll receive a lower rate of 4.07% AER, which includes a 1.53% AER bonus rate for 12 months.

These accounts are closely followed by Tembo Money's Tembo Cash ISA - with 12 months bonus which offers a competitive 4.55% AER monthly (including a 1.55% bonus for 12 months). A £10 minimum deposit is needed to open this app-only ISA. Savers can add to and withdraw from the account without restriction or penalty but should note that withdrawals must be made via a nominated account and that it doesn't follow flexible ISA rules.

Before applying for any of these accounts, it’s important to check the providers’ partner banks to make sure your money will be fully covered by the Financial Services Compensation Scheme (FSCS).

The best fixed cash ISA rates

Top returns on a one-year fixed ISA have risen even higher today after high street bank, HSBC, increased its Fixed Rate Cash ISA to pay 4.50% AER at maturity. New and existing HSBC current account customers can apply for this ISA online, in branch, over the phone or via mobile app with a £500 minimum deposit. Once opened, it can then only be managed in branch or over the phone and allows further contributions for 30 days. This account also accepts ISA transfers within 70 days of opening, but only permits early access on closure, subject to 90 days’ loss of interest.

Elsewhere, the leading two-year fixed ISA rate remains at 4.45% AER and continues to be offered by two providers, including Furness BS. The building society’s 2 Year Fixed Rate ISA pays interest on anniversary after opening online, in branch, by post, over the phone or via mobile app with a £1,000 minimum deposit. While it can be managed via the same means, savers should consider their initial deposit carefully as further additions are prohibited and early access can only be gained on account closure, subject to 180 days’ loss of interest.

Those with a more substantial minimum deposit could also consider the two-year Fixed Rate Cash ISA from Close Brothers Savings which offers the same rate yearly on an initial investment of at least £10,000. After opening online, it can additionally be managed by post or over the phone and accepts both further contributions and transfer instructions for 10 days. However, early access is only granted on account closure, subject to a 150-day loss of interest penalty.

Otherwise, another high street name – Nationwide BS – now occupies top spot on our three-year ISA chart and shares the lead of our five-year ISA chart after raising its three- and five-year Fixed Rate Cash ISAs to each pay 4.50% AER on anniversary. A £1 minimum deposit is needed to open and manage either option online, in branch or via mobile app – but bear in mind further additions to this amount are prohibited. It should also be noted that, while early access can be gained, this is only allowed on account closure, subject to 180 and 300 days’ loss of interest, respectively.

Alternatively, the market-leading five-year fixed ISA rate can also still be found from Chetwood Bank, as its HL Active Savings – 5 Year Fixed Rate Cash ISA continues to pay 4.50% AER on anniversary until reaching maturity on 8 April 2031. A larger minimum deposit of £1,000 is needed to operate this account online via the Hargreaves Lansdown Active Savings platform. Savers should think carefully about how much they deposit, however, as further additions aren’t allowed and early access is only available upon closure, subject to a hefty 360-day loss of interest penalty.

The best notice cash ISA rates

Dudley BS still offers the top rate for an up to 30-day notice ISA, with its 30 Day Notice Cash ISA Online Issue 2 and 30 Day Notice Cash ISA Issue 4 continuing to pay 3.75% AER yearly. Both of these accounts can be opened with a minimum deposit of £100, which savers can add to without restriction. As its name suggests, the former is only available online while the latter operates in branch or via post. Although savers can make withdrawals without penalty if they’re willing to wait 30 days before receiving their money, they will incur a 30-day loss of interest if they want to access their money sooner.

Those willing to wait longer before accessing their cash will find better rates are available. Aldermore's online-only 60 Day Notice Cash ISA (Issue 10) tops our up to 60-day notice ISA chart and pays 4.15% AER monthly or on anniversary on a £1,000 minimum deposit. Savers can make further additions without restriction but, if they want to make a withdrawal without waiting the full notice period, they will incur a 60-day loss of interest penalty.

It should be noted that the leading easy access cash ISAs continue to pay higher rates of interest than these top notice ISAs.