The best cash ISAs this week

There was no change to the top easy access ISA rates again this week; Plum and Trading 212 continue to lead the sector with their respective accounts paying 4.98% AER on a monthly basis. While both can be opened with a £1 deposit, the app-based Plum Cash ISA requires you to maintain a minimum balance of £100 to receive its 1.69% AER 12-month bonus and obtain the headline rate. Otherwise, a lower rate of 3.29% AER is applied any time the funds in your account fall below this threshold, or if you exceed three withdrawals per year. Furthermore, although transfers in are accepted from a range of other ISAs, keep in mind you’ll lose the introductory bonus when moving money across from an existing account and also be left with 3.29% AER.

Alternatively, Trading 212’s Cash ISA Promo Rate may better suit those who often find themselves dipping into their savings pot. Applicants from Moneyfactscompare.co.uk who open this account online or via mobile app by 31 July 2025 will qualify for its 0.88% 12-month bonus and receive its market-leading rate. The account can then be managed via the same means and permits an unlimited number of penalty-free withdrawals. What’s more, as a flexible ISA, any withdrawn funds can be replaced without it counting towards to your annual ISA allowance. However, it should be noted transfers in aren’t accepted.

Moneybox, meanwhile, continues to offer the next best rate; its Moneybox Cash ISA operates online or via mobile app and pays 4.65% AER monthly on a £500 minimum deposit (inclusive of a 0.70% bonus for 12 months). That being said, its rate will plummet to 0.75% AER if you make more than three withdrawals within the space of a year.

With many of the top easy access ISA rates bolstered by an introductory bonus, it’s important to make sure you’re still receiving competitive returns once the offer expires. However, those who’d prefer a competitive flat rate from the outset could instead consider Tembo Money’s Tembo Cash ISA which continues to pay a marginally lower 4.64% AER monthly. A £10 minimum deposit is needed to open and manage this account via mobile app, after which you’ll have unlimited penalty-free access to your cash.

But, before opening any of these accounts, it’s important to check the provider’s partner banks to ensure your money will be covered by the Financial Services Compensation Scheme (FSCS).

Many of the best fixed ISA rates also held steady this week. Savers in search of a shorter term will find Chetwood Bank’s HL Active Savings – 1 Year Fixed Rate Cash ISA continues to offer the most competitive one-year fixed ISA rate at 4.35% AER, for instance. As its name suggests, this account can be operated online via the Hargreaves Lansdown Active Savings platform with a £1,000 minimum deposit. However, this amount should be considered carefully as further additions aren’t permitted, and early access is only available upon account closure subject to 120 days’ loss of interest. Any interest accrued will then be compounded annually and paid once the account matures on 31 July 2026.

In contrast, the top two-year fixed ISA rate dipped further following a number of reductions and can now be found from Vanquis Bank and Castle Trust Bank. The former’s 2 Year Fixed Rate Cash ISA operates solely online with a £1,000 minimum deposit and pays 4.18% AER monthly or on anniversary. It accepts further contributions for 30 days via a nominated account, while early access can also be gained using a nominated account subject to 180 days’ loss of interest.

Not only does Castle Trust Bank’s two-year Fixed Rate e-Cash ISA offer the same rate on maturity, but the provider also continues to lead our five-year fixed ISA chart with its five-year Fixed Rate e-Cash ISA paying 4.24% AER. Both accounts can be operated online or via mobile app with a £1,000 minimum deposit and accept further additions for 14 days from opening. Early access, meanwhile, is subject to account closure as well as 180 and 360 days’ loss of interest, respectively. Nevertheless, the provider pledges to plant a tree for each of these accounts opened and funded within the given timeframe as part of a ‘green’ reward.

Elsewhere, UBL UK’s 3 Year Fixed Rate Cash ISA continues to offer the best three-year fixed ISA rate of 4.22% AER monthly, quarterly, on anniversary or on maturity. After opening online, in branch, by post or via mobile app with a £2,000 minimum deposit, this account can additionally be managed over the phone but prohibits contributions. As for early access, this can only be gained upon account closure, also subject to 270 days’ loss of interest.

Likewise, the best rates for a notice ISA went unchanged again this week. Harpenden BS continues to offer the most competitive returns for an account requiring up to 30 days’ notice before making a withdrawal. Its Online 14 Days’ Notice ISA Account (Issue 1) pays 4.24% AER yearly after opening online with a £1,000 minimum deposit. It can be managed via the same means but, as there’s no option for early access, you’ll need to serve the full 14-day notice period before making a withdrawal using a nominated account.

However, savers willing to wait slightly longer before making a withdrawal will find higher rates are available (although none that can better those paid by the market-leading easy access ISAs). The Notice 60 Cash ISA from The Stafford BS, for instance, offers 4.35% AER yearly and leads our up to 60 days’ notice chart. This account can be opened online, in branch or by post with a £100 minimum deposit. It can then only be managed in branch or by post and permits up to four withdrawals per year subject to 60 days’ notice. Once again, there’s no option for early access.