This week's top ISAs explained

The best easy access cash ISA rates

While Trading 212 continues to pay the leading easy access ISA rate of 4.51% AER monthly on its Cash ISA Promo Rate, there have been competitive increases behind it. To access this top rate, which includes a 12-month bonus of 0.91%, savers need to apply via Moneyfactscompare.co.uk by 2 June 2026 and make a deposit of £1 or more. Available online and on mobile app, this ISA allows savers to add to and withdraw from their account without restriction and, because it follows flexible ISA rules, they can replace funds they’ve withdrawn (in the same tax-year) without affecting their ISA allowance.

Alternatively, Chip now offers an increased 4.32% AER on anniversary (including a 0.57% AER bonus for 12 months) on its Chip Smart Cash ISA, which is available to new customers. This app-only ISA requires a minimum deposit of £1 and doesn’t apply any restrictions or penalties on further deposits or withdrawals. Like the market-leading account, it follows flexible ISA rules. However, savers should note that no interest will be paid if the account is closed or transferred out before the first anniversary.

Also paying 4.32% AER is the Plum Cash ISA. This ISA is similarly only available via mobile app, but the headline rate includes a heftier 12-month bonus of 1.78% AER. Note that this is only available to new ISA deposits; a lower rate of 4.00% AER (including a 1.46% AER bonus for 12 months) applies for any savers transferring funds from another ISA. Plum pays this rate monthly on an initial deposit of £1 or more and allows savers to make further contributions and withdrawals as often as they choose. As an extra perk, it is a flexible ISA.

Moneybox now joins Tembo Money in paying 4.30% AER after it raised rates last week. The Moneybox Cash ISA pays this rate monthly, which includes a 0.85% AER bonus for 12 months. Savers can open this account online or via mobile app by depositing £500 or more but, while they can make further deposits without restriction, a lower 0.75% AER will apply if they make more than three withdrawals in a 12-month period. Note that withdrawals must be made via a nominated account and flexible ISA rules don’t apply.

Meanwhile, Tembo Money continues to pay 4.30% AER monthly (including a 1.50% AER bonus for 12 months) on its Tembo Cash ISA – with 12 month bonus. This ISA is only available via mobile app and, after making an initial deposit of £10 or more, there are no limits on further deposits or withdrawals. However, this isn’t a flexible ISA and all withdrawals must be made via a nominated account.

Before applying for any of the accounts mentioned above, 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

The leading one-year fixed ISA rate edged even higher this week, after UBL UK increased returns on its 1 Year Fixed Rate Cash ISA. This ISA now pays 4.66% AER on maturity on a minimum opening deposit of £2,000, which savers can add to for the next 10 days. However, they can only withdraw from this ISA before the end of the one-year term on account closure, subject to a 90-day loss of interest penalty. Savers can open and manage this ISA online, by mobile app, in branch or by post, with the additional option to manage it by phone.

Meanwhile, AlRayan Bank continues to top our two-year fixed ISA chart with its Meteor Savings – 2 Year Fixed Rate Cash ISA paying an expected profit rate of 4.65% AER on maturity. This Shari’ah-compliant ISA is available via the online Meteor Savings platform and asks for an initial opening deposit of £1,000. Savers should consider this sum carefully as further deposits aren’t permitted and access to funds before the end of the term is only allowed on account closure, subject to receiving a lower expected rate of 0.05% for 90 days (or the number of days the account has been opened if less than this).

Encouragingly, the leading three-year fixed ISA rate has risen to 4.60% AER after increases from Aldermore and Nationwide BS. Aldermore’s 3 Year Fixed Rate Cash ISA, which is available online, pays this rate monthly or on anniversary on a minimum opening deposit of £1,000. Savers can add to this sum (and submit transfer in requests) for 14 further days but earlier access to funds is subject to a 180-day loss of interest penalty.

If savers prefer to save with a high street brand, Nationwide BS also offers the market-leading three-year fixed ISA rate of 4.60% AER (paid on anniversary) on its Fixed Rate Cash ISA. Savers can open and manage this ISA online, in branch or via mobile app, but should note that they can’t make any further contributions to their account after making an initial deposit of £1 or more. They can only access their money before the end of the term on closure of the account, subject to a 180-day loss of interest penalty.

After launching its Fixed Rate Cash ISA (Issue 313) last week, Marsden BS now tops our five-year fixed ISA chart. This account pays 4.61% AER yearly until 30 June 2031 on a minimum opening deposit of £5,000. Savers can open and manage the ISA online and can make further additions to their savings pot for 14 days after opening, with transfers in from other ISAs accepted within the first 30 days. Earlier access to funds is only permitted on account closure and will incur a 360-day loss of interest penalty.

The best notice cash ISA rates

Dudley BS remains at the top of our 30-day notice ISA chart, with its 30 Day Notice Cash ISA Online Issue 2 and its 30 Day Notice Cash ISA Issue 4 paying 3.95% AER yearly. The former account is only available online, while the latter account can be opened and managed in branch or by post. Both ISAs require a minimum opening deposit of £100, which savers can add to as often as they choose. They will need to wait 30 days before withdrawing their money, unless they’re willing to incur a 30-day loss of interest penalty charge to access it sooner.

Continuing to pay a higher 4.15% AER monthly or on anniversary is the online-only 60 Day Notice Cash ISA (Issue 10) from Aldermore. Savers can open this account by depositing £1,000 or more and can add to this sum without restriction. A 60-day notice period applies for any withdrawals but, if savers want to avoid this, earlier access is allowed, subject to a 60-day loss of interest penalty.