Today's top ISAs explained

Below, you can find out more about accounts offering some of the best easy access, fixed and notice cash ISA rates on the market. These products can all be accessed by new customers with minimum deposits of up to £10,000. Keep in mind higher rates may be available to existing customers or those with a larger initial deposit.

For a more detailed overview of the cash ISA market, visit our charts; alternatively, to find out more about these tax-free savings accounts, view our ISA guides.

The best easy access cash ISA rates

Trading 212 remains at the top of our easy access ISA chart, with its Cash ISA Promo Rate paying 4.68% AER monthly (which includes a 12-month 1.08% bonus for those who apply via Moneyfactscompare.co.uk by 13 April 2026). However, keep in mind the promotional rate only applies to deposits made in the current tax-year. The account can be opened and managed online or via mobile app with a £1 minimum deposit and may appeal to savers who often dip into their pot as it allows unlimited penalty-free withdrawals. What’s more, as a flexible ISA, you can replace any withdrawn funds (within the same tax-year) without affecting your annual ISA allowance.

While Plum continues to sit in second place, its Plum Cash ISA now offers a lower rate of 4.57% AER monthly (inclusive of a 2.03% AER bonus for 12 months) after recently being reduced. Nevertheless, savers can still open this app-based account with a £1 minimum deposit – an amount they can add to and withdraw from without penalty or restriction. But, bear in mind that you’ll receive a lower rate of 4.07% AER (inclusive of a 1.53% AER 12-month bonus) if you transfer in an existing ISA.

Following closely behind is Tembo Money's Tembo Cash ISA - with 12 months bonus which still offers a competitive 4.55% AER monthly (including a 1.55% bonus for 12 months). A £10 minimum deposit is needed to open this app-only ISA. Savers can add to and withdraw from the account without restriction or penalty but should note that withdrawals must be made via a nominated account and that it doesn't follow flexible ISA rules.

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

The best fixed cash ISA rates

Savers can continue to find the top returns on a one-year fixed ISA from high street bank, HSBC, after it increased its Fixed Rate Cash ISA to pay 4.50% AER at maturity. New and existing HSBC current account customers can apply for this ISA online, in branch, over the phone or via mobile app with a £500 minimum deposit. Once opened, it can then only be managed in branch or over the phone and allows further contributions for 30 days. This account also accepts ISA transfers within 70 days of opening, but only permits early access on closure, subject to 90 days’ loss of interest.

Elsewhere, the leading two-year fixed ISA rate remains at 4.45% AER but is now also offered either monthly or yearly by Kent Reliance’s Two Year Fixed Rate Cash ISA – Issue 109 off the back of a recent increase. Savers need a £1,000 minimum deposit to operate this account online or in branch and – unusually – can add to their pot at any time via bank transfer, cheque or by paying in cash. Transfer requests are also accepted within 30 days of account opening, while early access is subject to 180 days’ loss of interest.

Furness BS's 2 Year Fixed Rate ISA continues to pay the same rate on anniversary after opening online, in branch, by post, over the phone or via mobile app with a £1,000 minimum deposit. While it can be managed via the same means, savers should consider their initial deposit carefully as further additions are prohibited and early access can only be gained on account closure, subject to 180 days’ loss of interest.

Those with a more substantial minimum deposit could also consider the two-year Fixed Rate Cash ISA from Close Brothers Savings which offers 4.45% AER rate yearly on an initial investment of at least £10,000. After opening online, it can additionally be managed by post or over the phone and accepts both further contributions and transfer instructions for 10 days. However, early access is only granted on account closure, subject to a 150-day loss of interest penalty.

Otherwise, another high street name – Nationwide BS – continues to occupy top spot on our three-year ISA chart with its Fixed Rate Cash ISAs paying 4.50% AER on anniversary. A £1 minimum deposit is needed to open and manage this account online, in branch or via mobile app – but bear in mind further additions to this amount are prohibited. It should also be noted that, while early access can be gained, this is only allowed on account closure, subject to 180 and 300 days’ loss of interest, respectively.

Savers who want to secure a guaranteed return for even longer, meanwhile, may be pleased to learn the best five-year fixed ISA rate jumped to 4.60% AER today. Leek Building Society’s 5 Year Fixed Rate Cash ISA pays this rate on anniversary after opening online, in branch or by post with a £1,000 minimum deposit. This account can then be managed via the same means and accepts additions for a further 14 days. Once again, early access is only available on account closure and will incur a hefty 365-day loss of interest penalty.

The best notice cash ISA rates

Dudley BS still offers the top rate for an up to 30-day notice ISA, with its 30 Day Notice Cash ISA Online Issue 2 and 30 Day Notice Cash ISA Issue 4 continuing to pay 3.75% AER yearly. Both of these accounts can be opened with a minimum deposit of £100, which savers can add to without restriction. As its name suggests, the former is only available online while the latter operates in branch or via post. Although savers can make withdrawals without penalty if they’re willing to wait 30 days before receiving their money, they will incur a 30-day loss of interest if they want to access their money sooner.

Those willing to wait longer before accessing their cash will find better rates are available. Aldermore's online-only 60 Day Notice Cash ISA (Issue 10) tops our up to 60-day notice ISA chart and pays 4.15% AER monthly or on anniversary on a £1,000 minimum deposit. Savers can make further additions without restriction but, if they want to make a withdrawal without waiting the full notice period, they will incur a 60-day loss of interest penalty.

It should be noted that the leading easy access cash ISAs continue to pay higher rates of interest than these top notice ISAs.