This week's top ISAs explained

The best easy access cash ISA rates

Savers who want the option to dip into their pot as and when they need will find market-leading returns on an easy access ISA have held steady at 4.76% AER this week and can still be found from Trading 212. Its Cash ISA Promo Rate pays this rate monthly when considering the 1.16% 12-month bonus for new customers who apply via Moneyfactscompare.co.uk before 3 July 2026. As a digital account, it can be opened and managed online or via mobile app with a minimum deposit of just £1 – however, it’s important savers check the provider’s partner banks before applying to make sure their money will be covered by the Financial Services Compensation Scheme (FSCS). Once set up, it not only permits unlimited penalty-free withdrawals but, as a flexible ISA, lets savers replace any withdrawn funds in the same tax-year without impacting their annual ISA allowance.

Alternatively, Moneybox’s Moneybox Cash ISA continues to follow close behind – offering new customers a marginally lower rate of 4.75% AER monthly (inclusive of a 1.25% bonus for 12 months). That being said, it asks for a slightly more substantial minimum deposit of £500 to open and manage online or via mobile app and pays a much lower rate of 0.75% AER if more than three withdrawals are made per year (which requires a nominated account). Once again, savers are encouraged to check which banks this provider is partnered with to make sure their deposits are fully protected under the FSCS.

Elsewhere, Plum continues to offer the third-best easy access ISA rate despite recently reducing its Plum Cash ISA to pay new customers 4.46% AER monthly (inclusive of a 1.90% 12-month bonus). A £1 minimum deposit is needed to open this account via mobile app – after which savers can manage it using the same means and will have unlimited penalty-free access to their cash. While the fact that it follows flexible ISA rules may add to its appeal, savers should note that the bonus won’t apply if the account is closed or transferred out before the first anniversary. Furthermore, no interest will be paid for the month when a transfer out is requested or the account closed.

The best fixed cash ISA rates

Meanwhile, those looking for a guaranteed return and who don’t mind having limited access to their cash may be pleased to learn some of the best fixed ISA rates have climbed even higher this week. For instance, AlRayan Bank now leads our one-year ISA chart after raising its Meteor Savings – 1 Year Fixed Rate Cash ISA to pay 4.70% AER at maturity. This Shari’ah-compliant account can be opened and managed online via the Meteor Savings platform with a £1,000 minimum deposit. However, this amount should be considered carefully as further additions are prohibited, and early access is only allowed on account closure subject to the expected profit rate being reduced to 0.05% for 90 days or the number of days the account has been open (if lower).

Secure Trust Bank has similarly risen to the top of our two- and three-year fixed ISA charts after making improvements. Its 2 Year Fixed Rate Cash ISA (14.Jul.28) now pays 4.73% AER yearly until it matures on 14 July 2028, while its 3 Year Fixed Rate Cash ISA (16.Jul.29) offers 4.67% AER yearly until 16 July 2029. Both options require a £1,000 minimum deposit to open online, after which they can additionally be managed over the phone or via mobile app. Each accepts further contributions for 30 days via a nominated account but only grants early access on account closure subject to 180 and 270 days’ loss of interest, respectively.

Otherwise, the market-leading rate for a five-year fixed ISA remains at 4.71% AER but is now offered by three accounts after an increase to Castle Trust Bank’s Fixed Rate e-Cash ISA. While this digital account operates online or via mobile app with a £1,000 minimum deposit, new customers should bear in mind they can only apply via the website. Once opened, it accepts further contributions for 14 days and pays interest at maturity. Early access, however, is only allowed on closure of the account, subject to 360 days’ loss of interest. Nevertheless, this option may particularly appeal to eco-conscious savers as the provider pledges to plant a tree for each account opened and funded within the 14-day window.

Alternatively, Hodge Bank’s 5 Year Fixed Rate Cash ISA can also be opened with a £1,000 minimum deposit and may be of interest to savers wanting to supplement their regular income (as it offers the option to receive interest monthly or on anniversary). This online-only account similarly allows further additions for 14 days via a nominated account and grants early access subject to a slightly longer 365-day loss of interest penalty.

Those with a more substantial lump sum of at least £10,000 could also consider Close Brothers Savings’ Fixed Rate Cash ISA which pays 4.71% AER yearly. After opening online, savers can additionally manage this account by post or over the phone and can make further contributions or submit transfer instructions for 10 days. Early access to their cash, though, is only allowed on account closure and subject to 365 days’ loss of interest.

The best notice cash ISA rates

Savers will find there’s been no movement at the top our notice ISA charts again this week, with Dudley BS continuing to offer the best rates for ISAs that need up to 30 and 60 days’ notice for withdrawals. Its 30 Day Notice Cash ISA Issue 4 and 60 Day Notice Cash ISA Issue 3 pay 3.95% AER and 4.00% AER, respectively, on a yearly basis after opening in branch or by post and can be managed using the same means. Alternatively, those who prefer digital banking could consider the provider’s online-only 30 Day Notice Cash ISA Online Issue 2 or its 60 Day Notice Cash ISA Online Issue 2 which offer the same rates. These accounts all require a £100 minimum deposit, permit further additions without restriction and accept transfers in of at least £100 from selected ISAs. There’s also the option for savers to gain early access to their cash (without serving the full notice period) subject to 30 days’ loss of interest for the 30-day notice ISAs and 60 days’ loss of interest for their 60-day notice counterparts.

The Stafford BS also still offers 4.00% AER with its Notice 60 Cash ISA, however, those willing to wait longer before making a withdrawal will find its Notice 90 Cash ISA continues to pay a higher 4.10% AER (and holds top spot on our up to 90-day notice ISA chart). Both accounts pay interest yearly after opening online, in branch or by post with a £100 minimum deposit – but bear in mind they can only be managed via the latter two of these methods. While further additions are accepted without restriction, savers should note only four withdrawals are allowed per society year (1 November to 31 October) and there’s no option for early access.