This week's top ISAs explained

The best easy access cash ISA rates

Trading 212 holds onto the lead of our easy access ISA chart this week despite lowering its Cash ISA Promo Rate to pay 4.51% AER monthly. This headline rate contains a 0.91% 12-month bonus which is available to new customers who open the account via Moneyfactscompare.co.uk by 3 August 2026. (Note: you may need to enter the promo code “MFC” to access the enhanced rate). Once opened online or via mobile app with a £1 minimum deposit, savers can then manage the account using the same methods and make both additions and withdrawals without restriction or penalty. What’s more, as a flexible ISA, they can replace any withdrawn funds in the same tax-year without affecting their overall ISA allowance.

Plum, meanwhile, continues to occupy second place on our chart after it similarly reduced its Plum Cash ISA to pay new customers 4.44% AER monthly (inclusive of a 1.88% bonus for 12 months). A £1 minimum deposit is needed to open and manage this account via mobile app – further additions to which are permitted at any time without restriction. But, while this ISA also allows unlimited penalty-free withdrawals and follows flexible rules, savers should bear in mind that no interest will be paid for the month if it’s closed or a transfer out is requested.

Otherwise, the next best rate still stands at 4.42% AER and can be found from Chip (bolstered by a smaller, 0.65% 12-month bonus). Savers need a £1 minimum deposit to open and manage its app-based Chip Smart Cash ISA, after which they’ll receive interest monthly and have the option to add to and withdraw from their pot at any time without restriction or penalty. That being said, this account also pays no interest for the month if it’s closed or transferred out.

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

The best fixed cash ISA rates

In the fixed ISA market, not only does AlRayan Bank continue to lead our one-year chart this week, but it also now shares top spot on our two-year chart after the former highest rate was reduced. Its 1 Year Fixed Rate Cash ISA and 2 Year Fixed Rate Cash ISA via Meteor Savings pay 4.70% AER and 4.65% AER, respectively, at maturity on a £1,000 minimum deposit. These Shari’ah-compliant accounts operate online via the Meteor Savings platform but don’t accept any further additions. Furthermore, they only grant early access to savers’ cash upon closure, subject to the expected profit rate being reduced to 0.05% for 90 days (or the number of days the account has been open, if lower).

Alternatively, Aldermore’s 2 Year Fixed Rate Cash ISA also pays 4.65% AER, while its 3 Year Fixed Rate Cash ISA continues to offer the best return on a three-year fixed ISA, at 4.66% AER. Savers can open and manage either option online with a £1,000 minimum deposit and will receive interest either monthly or on anniversary. Both accept further additions for a 14-day window from opening and allow early access subject to 180 days’ loss of interest.

Those wanting to lock in a guaranteed return for longer, however, will still find Hodge Bank offers the most competitive five-year fixed ISA rate. After opening online with a £1,000 minimum deposit, its 5 Year Fixed Rate Cash ISA can be managed using the same means and pays 4.66% AER either monthly or on anniversary.  Savers can make further contributions for 14 days via a nominated account and can get hands on their cash before the term ends if they’re willing to serve a hefty 365-day loss of interest penalty.

The best notice cash ISA rates

Elsewhere, the best notice ISA rates have held steady for another consecutive week. Dudley BS continues to sit at the top of our up to 30- and 60-day notice charts with its 30 Day Notice Cash ISA Issue 4 and 60 Day Notice Cash ISA Issue 3 paying 3.95% AER and 4.00% AER, respectively. Both accounts require a £100 minimum deposit but can only be opened and managed in branch or by post. While further additions (including transfers in from a minimum of £100) are allowed without restriction, 30 and 60 days’ notice is needed, respectively, when making a withdrawal. That being said, it’s possible for savers to gain access to their cash sooner subject to a respective 30- and 60-day loss of interest penalty. 

The Stafford BS’s Notice 60 Cash ISA also continues to offer 4.00% AER, however, savers willing to wait longer before withdrawing money will find its Notice 90 Cash ISA pays a higher 4.10% AER and remains at the top of our up to 90-day notice ISA chart. Either option can be opened online, in branch or by post with a £100 minimum deposit; once established, they accept further additions without restriction but can only be managed via the latter two methods. It should also be noted that these accounts only permit up to four withdrawals per society year (1 November to 31 October) and don’t allow access without serving the full notice periods (60 and 90 days’, respectively).