The best cash ISAs this week

The leading easy access ISA rates held firm this week as Trading 212’s Cash ISA Promo Rate continues to offer 4.38% AER, including a 12-month bonus of 0.53%. To access this bonus rate, savers can apply for the account via Moneyfactscompare.co.uk before 30 September 2025 and make a deposit of just £1 or more. This account is available online or via mobile app and pays interest monthly. Savers can add to and withdraw from this ISA without restriction or penalty and, because it follows flexible ISA rules, they can replace money they’ve previously withdrawn in the same tax-year without affecting their ISA allowance. It’s a good idea to check Trading 212’s partner banks before opening this ISA to ensure your money will be covered by the Financial Services Compensation Scheme (FSCS).

The Plum Cash ISA, which is only available on mobile app, continues to pay a slightly lower rate of 4.37% AER monthly, including a bonus of 1.33% AER for 12 months. This bonus rate applies on balances of £100 or more, as long as savers don’t make more than three withdrawals from their account per year. If the balance drops below £100 or savers make four or more withdrawals within one year, a lower rate of 3.04% AER will apply. Note that anyone transferring in from another ISA won’t be eligible for the bonus rate, so will also receive the lower 3.04% AER.

Meanwhile, the Online Single Access ISA (Issue 1) from Harpenden BS pays 4.31% AER yearly on a minimum opening deposit of £1. As the name suggests, this ISA is only available online and savers can only make one withdrawal per year if they want to keep this headline rate. If they make two or more withdrawals, they will receive a significantly lower rate of 1.60% AER. Withdrawals must be made via a nominated account.

The best fixed cash ISA rates

Chetwood Bank’s HL Active Savings – 1 Year Fixed Rate Cash ISA continues to lead our one-year fixed ISA chart by paying 4.32% AER when the account matures on 25 September 2026. And, this week, Chetwood Bank also shares the lead of our five-year fixed ISA chart with its HL Active Savings - 5 Year Fixed Rate Cash ISA paying 4.26% AER yearly until 25 September 2030. Savers can open these online-only accounts with £1,000 or more but should note that they can’t add to their ISA after their initial deposit. If they want to withdraw from their savings before the end of the fixed term, this is only allowed on account closure, subject to a 90-day or 360-day loss of interest penalty. These accounts are available via the Hargreaves Lansdown Active Savings platform.

Also paying the market-leading five-year fixed ISA rate of 4.26% AER is Castle Trust Bank’s Fixed Rate e-Cash ISA. This ISA pays interest on maturity on a minimum opening deposit of £1,000, which savers can add to for 14 further days. However, they can only access their money before the end of the five-year term on account closure, subject to 360 days’ loss of interest. While this account is available online and via mobile app, new customers can only open it online. Eco-conscious savers may be interested to note that Castle Trust Bank will plant a tree when one of these accounts is opened and funded.

After rate reductions in this sector, the top two-year fixed ISA rate has dropped to 4.15% AER this week and is offered by two providers. The Two Year Fixed Rate ISA (Issue 10) from Bath BS pays this rate yearly and asks for a minimum opening deposit of just £1. Savers can add to this opening amount for 14 further days but earlier access to funds will incur a 180-day loss of interest penalty. This ISA is available online, via mobile app and in branch, with the extra option to manage the account by phone.

Meanwhile, Vanquis Bank pays the same rate monthly or on anniversary on its 2 Year Fixed Rate Cash ISA. While it requires a larger minimum opening deposit of £1,000, savers can continue to add to this ISA for the next 30 days. However, like the previous accounts, earlier access is only permitted with a 180-day loss of interest penalty. Savers can open this ISA online and manage it online, by phone or by post, and should bear in mind that all deposits and withdrawals must be made via a nominated account.

The leading three-year fixed ISA rate also dropped this week and is now offered by two accounts. United Trust Bank’s Cash ISA 3 Year Bond now pays a lower 4.20% AER, which savers can open online by depositing £5,000 or more. Once open, they can manage their savings online, by phone or by post. While they can add to their savings for 14 days after opening (via a nominated account), access to their money before the end of the term is only allowed (via a nominated account) subject to a 320-day loss of interest penalty. However, savers have the option to withdraw their interest payments annually on anniversary.

Also paying 4.20% AER is the recently-launched 3 Year Fixed Rate Cash ISA 456 from Darlington BS. It pays this rate yearly until the account matures on 31 October 2028, but savers should note that they will need to make a hefty minimum deposit of £10,000 to open this ISA. Savers can continue to add to this ISA until 30 days after the issue is closed, but they can only withdraw from their savings or transfer out on closure of the account, subject to 240 days’ loss of interest. Any transfers in from other ISAs can only be made while the issue remains open. This ISA can be opened and managed online or in branch, with the additional option to manage it by post.

The best notice cash ISA rates

There’s no change in the leading notice ISA rates this week, as Harpenden BS continues to pay 3.79% AER yearly on its Online 14 Days' Notice ISA Account (Issue 1). This online-only account asks for a minimum opening deposit of £1,000 and allows further contributions but, as earlier access isn’t allowed, savers will need to wait 14 days before making a withdrawal (which must be made via a nominated account).

Savers can access a higher rate in exchange for a longer notice period of 60 days. Aldermore’s 60 Day Notice Cash ISA (Issue 8) pays 4.16% AER monthly or on anniversary on a minimum opening deposit of £1,000. Available online, this ISA allows savers to make further deposits and, if they don’t want to wait 60 days before receiving a withdrawal, they can access it sooner subject to a 60-day loss of interest penalty.

Bear in mind that the leading easy access cash ISAs continue to pay higher rates of interest than these top notice ISAs.