This week's top ISAs explained

The best easy access cash ISA rates

The top three easy access ISA rates all dropped over the past week after providers made reductions across their variable ISA products. Nevertheless, Trading 212 continues to offer the leading rate on its Cash ISA Promo Rate, at a lower 4.51% AER. This headline rate is paid monthly and includes a 12-month bonus of 0.91%, which is available to savers who apply via Moneyfactscompare.co.uk before 3 July 2026 (note that you may need to enter the promo code “MFC” to access it). The account requires an initial deposit of £1 or more and can be opened and managed online and via mobile app. Savers can add to and withdraw from their savings pot without restriction and, as the account is a flexible ISA, they can replace funds they’ve previously withdrawn (in the same tax-year) without affecting their annual ISA allowance. Before applying for this ISA, it’s important to check Trading 212’s partner banks to make sure your money will be fully covered by the Financial Services Compensation Scheme (FSCS).

Meanwhile, Chip offers a competitive 4.40% AER monthly on its Chip Smart Cash ISA, inclusive of a 0.63% bonus for 12 months. Savers can open this app-only account by depositing £1 or more and can make further contributions without restriction. However, while savers can withdraw from this ISA (which also follows flexible ISA rules), it’s worth noting that no interest will be paid if they close or transfer out this ISA before the first anniversary.

Despite lowering the rate on its Plum Cash ISA, Plum still pays the third-highest easy access ISA rate of 4.38% AER monthly, including a 1.82% bonus for 12 months. This rate can be accessed by new customers, but not those transferring in from another ISA (a lower 4.00% AER, including a 1.45% 12-month bonus, applies to transfers in). The ISA is only available via mobile app and asks for a minimum opening deposit of £1, after which it allows further deposits and withdrawals without restriction. But, even though it has the benefit of being a flexible ISA, bear in mind that no interest will be paid for the month if savers close the account or request a transfer out. Moreover, savers won’t receive the bonus rate if they close or transfer out before the first anniversary.

The best fixed cash ISA rates

Encouragingly, the leading fixed ISA rates have all edged higher over the past week. The top one-year and two-year fixed ISA rates saw particularly noticeable increases to 4.75% AER, which is now offered by Isbank’s Meteor Savings - 1 Year Fixed Rate Cash ISA and Meteor Savings - 2 Year Fixed Rate Cash ISA. These accounts are available via the online Meteor Savings platform and pay interest on maturity on a minimum opening deposit of £1,000. Savers can’t add to these accounts after making this initial deposit and, if they want to access their money before the end of the term, this is only permitted on closure, subject to no interest being paid.

To lock in a guaranteed return for longer, Castle Trust Bank now leads our three-year and five-year fixed ISA charts with its Fixed Rate e-Cash ISAs paying 4.68% AER and 4.72% AER, respectively, on maturity. Available online or via mobile app, these ISAs ask for an initial deposit of £1,000 or more, which savers can add to for 14 days after opening. While earlier access to funds is allowed, savers will need to close their account and incur a 270-day (three-year) or 365-day (five-year) loss of interest penalty charge. Savers may be interested to note that, as a “green” provider, Castle Trust Bank will plant a tree when one of these accounts is opened and funded within the 14-day window.

The best notice cash ISA rates

Although Dudley BS lowered selected variable rates last week, its 30 Day Notice Cash ISA Issue 4 still offers the top rate of 3.95% AER on ISAs with a notice period of up to 30 days. Furthermore, its 60 Day Notice Cash ISA Issue 3 continues to share the lead of our up to 60-day notice ISA chart with 4.00% AER. These accounts pay interest yearly on a minimum opening deposit of £100. Savers can add to this amount without restriction and, if they don’t want to wait the specified notice period before accessing their funds, they can receive their money sooner subject to a 30-day or 60-day loss of interest penalty. Note that savers can only open and manage these accounts in branch or via post.

Also paying 4.00% AER yearly is the Notice 60 Cash ISA from The Stafford BS or, in return for a longer notice period of 90 days, its Notice 90 Cash ISA pays a higher 4.10% AER yearly to top our up to 90-day notice ISA chart. Savers can open these accounts online, in branch or via post by depositing £100 or more and can subsequently manage them in branch or via post. While there are no restrictions on further additions to these accounts, The Stafford BS only allows up to four withdrawals per society year (from 1 November to 31 October) and doesn’t give savers the option to access their money before the end of the specified notice period.