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

After lots of activity at the start of last month, competition in the easy access ISA market seems to have fizzled out – with many of the top rates having dropped over the past 48 hours. Nevertheless, savers will continue to find Trading 212 offers the best return in the sector, despite lowering its Cash ISA Promo Rate to pay 4.58% AER monthly (inclusive of a 0.98% 12-month bonus on current tax-year contributions for those who apply via Moneyfactscompare.co.uk by 13 April 2026). This 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 What’s more, as a flexible ISA, you can replace any withdrawn funds (within the same tax-year) without affecting your annual ISA allowance.

It only narrowly betters the Plum Cash ISA which was reduced earlier this week to pay 4.57% AER monthly (inclusive of a 2.03% AER bonus for 12 months). Savers can open and manage this flexible ISA via mobile app with a £1 minimum deposit and make withdrawals without penalty or restriction. But, bear in mind that a lower rate of 4.07% AER will apply if you transfer in an existing ISA (inclusive of a 1.53% AER 12-month bonus).

While Tembo Money remains in third place on our chart, its Tembo Cash ISA – with 12 months bonus has similarly been reduced to pay 4.30% AER monthly (inclusive of a 1.50% bonus for 12 months). A £10 minimum deposit is needed to operate this account via mobile app and it allows unlimited penalty-free access via a nominated account (but doesn’t follow flexible ISA rules).

It’s joined by Vanquis Bank’s Triple Access Cash ISA (Issue 5) which bucked the trend after being increased this morning (2 April) to pay a flat rate of 4.30% AER monthly or on anniversary. However, it should be noted that this flexible ISA requires a slightly more substantial £1,000 minimum deposit to operate online and applies a lower rate of 2.25% AER if more than three withdrawals are made per year (which require a nominated account).

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, with its Fixed Rate Cash ISA paying 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.

Those who want to secure a guaranteed return for longer, however, may be pleased to learn the leading two-year fixed ISA rate has risen to 4.48% AER. Vanquis Bank’s 2 Year Fixed Rate Cash ISA offers this rate either monthly or on anniversary after opening online with a £1,000 minimum deposit. The account can additionally be managed by post or over the phone and accepts further contributions for 30 days via a nominated account. A nominated account is also needed if you want to access your cash before the fixed term ends (which is subject to 180 days’ loss of interest).

Otherwise, another high street name – Nationwide BS – continues to occupy top spot on our three-year ISA chart with its Fixed Rate Cash ISA 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.

Elsewhere, Leek Building Society still offers the best five-year fixed ISA rate with its 5 Year Fixed Rate Cash ISA paying 4.60% AER 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.