This week's top ISAs explained

The best easy access cash ISA rates

Trading 212 continues to top our easy access ISA chart this week, still paying 4.53% AER monthly on its Cash ISA Promo Rate. This includes a 12-month 0.68% bonus to those who apply via Moneyfactscompare.co.uk by 15 November 2025. Available online and via mobile app, this ISA asks for a minimum opening deposit of £1 and allows savers unlimited penalty-free access to their money. As this ISA follows flexible ISA rules, any money withdrawn can be replaced in the same tax year without impacting your annual ISA allowance. Savers may want to check Trading 212’s partner banks to make sure their cash is covered under the Financial Services Compensation Scheme (FSCS).

Moneybox’s Moneybox Cash ISA maintains its second-place position on our chart, paying 4.52% AER monthly, including a 0.82% 12-month bonus. Accessible online or by mobile app, a deposit of £500 or more is required to open this ISA. A considerably lower rate of 0.75% AER applies, however, if savers make more than three withdrawals in a year via a nominated account. It’s important to check this provider’s partner banks before opening this account to make sure your money is covered by the FSCS.

Elsewhere, Plum continues to come in third on our chart with its Plum Cash ISA. This app-only account pays 4.45% AER monthly, inclusive of a 1.41% AER bonus for 12 months. This rate is now accessible to savers opening the account by transferring an existing ISA after Plum removed the limitation this week. This ISA asks for a minimum opening deposit of £1 and provides savers with unlimited, penalty-free access to their money.

The best fixed cash ISA rates

Vida Savings continues to lead our one-year fixed ISA chart this week, still offering 4.28% AER on anniversary or monthly on its 1 Year Fixed Rate ISA, which can be opened online with a deposit of £1,000 or more. After this, there’s the option to additionally manage the ISA via mobile app. Further contributions can be made for an extra 21 days via a nominated account and earlier access is allowed subject to a 90-day loss of interest penalty.

Taking pole position on our two-year fixed ISA chart is UBL UK with its 2 Year Fixed Rate Cash ISA which pays 4.16% AER on maturity, anniversary or monthly on opening deposits of £2,000 or more. Savers can access this ISA online, in-branch, by post or by mobile app, and after it’s been funded there’s also the option to manage the account over the phone. Further additions are allowed for 10 days from account opening, while early access is permitted on closure only subject to a 180-day loss of interest penalty.

After increasing rates last week, Secure Trust Bank’s 3 Year Fixed Rate Cash ISA (11. Dec.28) offers 4.13% AER yearly until the account matures on 11 December 2028 – taking prime position on our three-year fixed ISA chart. The provider also offers the chart-topping five-year fixed ISA rate, with its 5 Year Fixed Rate Cash ISA (10.Dec.30) paying 4.23% AER yearly until the account matures on 10 December 2030. Both accounts ask for a minimum £1,000 opening deposit and are accessible online. After the initial deposit the accounts can also be managed over the phone or by mobile app. Savers can add to their pots for a further 30 days via a nominated account and, while early access is allowed, it’s subject to account closure and a 270- or 365-day loss of interest penalty.

The best notice cash ISA rates

There's been no change to this weeks best notice ISA rates.

Harpenden BS continues to top our up to 30-day notice ISA chart with its Online 14 Days’ Notice ISA Account (Issue 1) paying 3.79% AER yearly. This online-only ISA requires an opening deposit of £1,000 or more and allows savers to add to their pots without restriction. However, early access isn’t permitted so savers will have to wait 14 days before they can access any withdrawn funds. It should also be noted that withdrawals must be made via a nominated account.

Tipton & Coseley BS also remains at the top of our 60-day notice ISA chart.

The provider’s 60 Day Notice ISA (Issue 2) (Mobile App Account) offers 4.10% AER yearly. This ISA can be opened via mobile app with a minimum deposit of £1,000, after which it can be additionally managed over the phone. Savers should note that any further contributions must be made via a nominated account. Earlier access is subject to a 60-day loss of interest penalty, otherwise, savers will need to serve the full notice period before accessing their money.

Alternatively, Tipton & Coseley BS offers its 60 Day Notice ISA (Issue 2) paying 4.10% AER yearly. This ISA can be opened in-branch or by post with a deposit of £1,000 or higher. After this it can be managed over the phone, too. Further additions can be made without restriction, and earlier access is subject to a 60-day loss of interest penalty. Savers should be aware that all withdrawals must be made by cheque.