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 continues to lead our easy access ISA chart after recently raising its Cash ISA Promo Rate to pay 4.43% AER monthly (inclusive of a 0.83% 12-month bonus for those who apply via Moneyfactscompare.co.uk by 16 March 2026). This 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 What’s more, as a flexible ISA, you can replace any withdrawn funds (within the same tax-year) without affecting your annual ISA allowance. However, it’s important to check this provider’s partner banks before applying to make sure your money will be fully covered by the Financial Services Compensation Scheme (FSCS).

That being said, the market-leader faced close competition from Plum after it increased its Plum Cash ISA last week to pay 4.42% AER monthly (inclusive of a more substantial 1.88% AER bonus for 12 months). This app-based account also requires a £1 minimum opening deposit and permits unlimited penalty-free access to your cash. But, while it accepts transfers in from various different ISAs (further details of which can be found above or by using our chart), note this will incur a lower rate of 4.00% AER (inclusive of a 1.46% AER bonus).

Alternatively, savers who’d prefer a return that isn’t bolstered by any short-term bonuses could consider the HL Active Savings – HL ISA (powered by Shawbrook) from Hargreaves Lansdown which offers a flat rate of 4.30% AER monthly. A £1 minimum deposit is needed to open and manage this account online via the Hargreaves Lansdown Active Savings platform and it also permits an unlimited number of penalty-free withdrawals.

The best fixed cash ISA rates

The leading one-year fixed ISA rate remains at 4.20% AER and continues to be offered by two providers, including Isbank. Its Meteor Savings – 1 Year Fixed Rate Cash ISA, which is available online via the Meteor Savings platform, pays this rate on maturity on an opening deposit of £1,000 or more. Once open, savers can’t make any further additions to this account and, if they want to withdraw any money before the end of the term, this is only allowed on account closure, subject to no interest being paid.

Also leading our one-year fixed ISA chart is AlRayan Bank’s Meteor Savings – 1 Year Fixed Rate Cash ISA, which pays an expected profit rate of 4.20% AER on maturity, while its Meteor Savings – 2 Year Fixed Rate Cash ISA tops our two-year fixed ISA chart by paying an expected profit rate of 4.15% AER on maturity. Savers can open both accounts online via the Meteor Savings platform by depositing £1,000 or more but should note they won’t be able to add to this amount during the term. To access their money before one-year term ends, savers will need to close their account and incur a 30-day loss of interest penalty.

In the three-year fixed ISA sector, Aldermore now offers top returns with its 3 Year Fixed Rate Cash ISA paying 4.10% AER either monthly or on anniversary once opened online with a £1,000 minimum deposit. Savers can manage this account using the same means and make further contributions for 14 days from opening. Early access is also allowed, but subject to 180 days’ loss of interest.

Otherwise, those wanting to secure a fixed rate for longer will find the best five-year fixed ISA rate has held steady at 4.25% AER and remains available from both Close Brothers Savings and Castle Trust Bank. The former’s 5 Year Fixed Rate Cash ISA pays interest yearly after opening online with a substantial minimum deposit of £10,000. Once open, this account can additionally be managed over the phone or by post and accepts further contributions (including transfers in) for the next 10 days. However, early access to your cash (before the five-year term ends) is only allowed on account closure subject to a hefty 365-day loss of interest penalty.

The Fixed Rate e-Cash ISA from Castle Trust Bank also offers the top five-year fixed ISA rate but requires a smaller minimum opening deposit of £1,000 (which savers can add to for a further 14 days) and pays interest on maturity. This account is available online or via mobile app and only permits savers to access their funds before the end of the term on closure, subject to 360 days’ loss of interest. Because Castle Trust Bank plants a tree when one of these ISAs is opened and funded, it may be of interest to eco-conscious savers who want their money to be used for environmental causes.

The best notice cash ISA rates

Dudley BS continues to offer the top rate on ISAs with a notice period of up to 30 days. Its 30 Day Notice Cash ISA Online and 30 Day Notice Cash ISA Issue 2 pay 3.55% AER yearly on a minimum opening deposit of £100 or more, which savers can add to without restriction. As its name suggests, the former account is only available online while the latter is available 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.

A higher rate of 3.80% AER, paid yearly, is available with the 60 Day Notice ISA (Issue 2) from Tipton & Coseley BS. Savers can open this ISA by post or by visiting a branch with a minimum deposit of £1,000, with the additional option to manage their account by phone after this point. While they can add to their account without restriction, savers will need to serve the 60-day notice period to make a withdrawal without incurring any penalty. If they want to access their money sooner, they will forfeit 60 days’ interest. Bear in mind that all withdrawals must be made via cheque.

However, those willing to wait a little longer before accessing their cash can now find an even higher rate available from Harpenden BS. Its 90 Days’ Notice ISA Account (Issue 1) pays 4.04% AER yearly on a £1,000 minimum deposit and operates online, in branch or by post. But, as early access isn’t allowed, savers will need to serve the full, 90-day notice period when making a withdrawal.

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