This week's top ISAs explained

The best easy access cash ISA rates

The best easy access ISA rate climbed even higher this week as close competition continued. Trading 212 narrowly holds onto the lead of the sector after raising its Cash ISA Promo Rate to pay 4.76% AER monthly (inclusive of a 1.16% 12-month bonus for new customers who apply via Moneyfactscompare.co.uk by 2 June 2026). This account may particularly appeal to those who often dip into their pot as, not only does it allow unlimited penalty-free withdrawals but, as a flexible ISA, any withdrawn funds can be replaced in the same tax-year without affecting their ISA allowance. It can be opened and managed online or via mobile app with a £1 minimum deposit but it’s important savers check the provider’s partner banks before applying to make sure their money will be covered by the Financial Services Compensation Scheme (FSCS).

However, the market-leader came under pressure from Moneybox after it increased its Moneybox Cash ISA to offer new customers 4.75% AER monthly (inclusive of a 1.25% bonus for 12 months). Importantly, savers should note a much lower rate of 0.75% AER applies from their fourth withdrawal per year (which requires a nominated account). Another digital option, it operates online or via mobile app with a slightly larger £500 minimum deposit. Once again, savers should check which banks the provider is partnered with to make sure their deposits are fully protected by the FSCS.

Otherwise, the Plum Cash ISA still offers new customers a highly competitive 4.60% AER monthly (inclusive of a 2.04% 12-month bonus) once opened via mobile app with a £1 minimum deposit. This account can be managed using the same means, allows savers unlimited penalty-free access to their cash and follows flexible ISA rules. But bear in mind the bonus won’t apply if the account is closed or transferred out before the first anniversary. Similarly, no interest will be paid for the month when a transfer out is requested or the account closed.  

The best fixed cash ISA rates

Some of the best fixed ISA rates also improved this week. For instance, Hodge Bank occupies top spot on our one-, three- and five-year fixed ISA charts after raising its 1, 3 and 5 Year Fixed Rate Cash ISAs to pay 4.67% AER, 4.66% AER and 4.71% AER, respectively. Once opened online with a £1,000 minimum deposit, the one-year option pays interest either monthly or at maturity, while its three- and five-year counterparts offer the choice between receiving interest monthly or on anniversary. Savers can continue to manage these accounts online and make further additions for 14 days using a nominated account. Early access, however, is subject to a respective 90-, 270- and 365-day loss of interest penalty.

The provider shares the lead of our three- and five-year charts with recently increased accounts from Close Brothers Savings. Its three- and five-year Fixed Cash ISAs now also offer 4.66% AER and 4.71% AER, respectively, on a yearly basis but require a much more substantial deposit of at least £10,000 to open online. They can then additionally be managed by post or over the phone and accept further contributions as well as transfer instructions for 10 days from opening. Early access, meanwhile, can only be gained on account closure and is subject to 270 and 365 days’ loss of interest, respectively.

Elsewhere, the best two-year fixed ISA rate held steady at 4.72% AER but is now offered by RCI Bank UK’s 2 Year Fixed Term Cash ISA. A £1,000 minimum deposit is needed to open this account online, after which it can additionally be managed via mobile app and pays interest either monthly or on anniversary. Further additions and transfer requests are accepted for 14 days, while early access is subject to a 180-day loss of interest penalty.

The best notice cash ISA rates

By contrast, there’s been no change to the market-leading notice ISAs this week. Dudley BS’s 30 Day Notice Cash ISA Issue 4 and 60 Day Notice Cash ISA Issue 3 continue to offer the best rates for accounts requiring up to 30 and 60 days’ notice before making a withdrawal, at 3.95% AER and 4.00% AER respectively. Savers can apply for either option in branch or by post and will receive interest yearly. Alternatively, those who prefer digital banking could consider their online-only counterparts – the 30 Day Notice Cash ISA Online Issue 2 and 60 Day Notice Cash ISA Online Issue 2 – which offer the same rates, also on a yearly basis. Each of these accounts asks for a minimum opening deposit of £100, accepts further additions without restriction and allows transfers in (of at least £100) from certain types of ISAs. They also permit early access without serving the full notice period subject to a 30-day loss of interest penalty for the 30-day notice ISAs and 60 days’ loss of interest for the 60-day notice accounts.

While The Stafford BS’s Notice 60 Cash ISA also continues to offer 4.00% AER yearly, savers willing to wait a little longer before accessing their cash will find its Notice 90 Cash ISA still pays a higher 4.10% AER (and leads our up to 90-day notice chart). A £100 minimum deposit is needed to apply for either of these accounts online, in branch or by post. Once opened, they can then only be managed in branch or by post and permit up to four withdrawals per society year (1 November to 31 October). Further additions are allowed without restriction but there’s no option for early access.