The best cash ISA rates this week

The best easy access cash ISA rates

While typical returns on an easy access ISA remain on a downwards trajectory this week, the market-leading rate holds firm at 5.46% AER and can continue to be found from Moneybox. After opening online or by mobile app, the account pays interest monthly on a minimum balance of £500. It can be managed via the same means but keep in mind a much lower rate of 0.75% AER applies if you exceed three penalty-free withdrawals per year. Before applying, however, be sure to check this provider's partner banks to find out if your money will be protected by the Financial Services Compensation Scheme (FSCS); it's also important to ensure you’re still receiving competitive returns once the bonus rate expires.

Similarly, Plum continues to offer the next best rate in the sector with its Plum Cash ISA paying 4.85% AER monthly. Although this app-based account can be opened with a smaller minimum deposit of just £1, note its headline rate is bolstered by a 1.56% AER bonus for 12 months which only applies to balances of £100 or more. Any time the funds in your account fall below this threshold, or if you make more than three penalty-free withdrawals within a year, your returns will drop to 3.29% AER. The same rate also applies if you transfer in an existing ISA.

Trading 212’s Cash ISA Promo Rate, meanwhile, improves its position on our chart following a recent reduction from Chip and may appeal to those who regularly dip into their savings pot. The account pays 4.81% AER monthly on a £1 minimum deposit when considering the 0.71% 12-month bonus which applicants from Moneyfactscompare.co.uk will receive upon opening before 30 June 2025. As well as permitting unlimited penalty-free access to your cash, this account also follows flexible ISA rules which enables you to replace any withdrawn funds without affecting your annual ISA allowance. As with Moneybox, be sure to check this provider's partner banks before providing

The best fixed cash ISA rates

The gap between the best one- and five-year fixed ISAs narrowed slightly this week as several providers repriced products. Castle Trust Bank currently offers the market-leading rates in both sectors with its one-year Fixed Rate e-Cash ISA and five-year Fixed Rate e-Cash ISA paying 4.26% AER and 4.21% AER, respectively, on maturity. These accounts can be opened online or over the phone with a £1,000 minimum deposit, then managed via the website or mobile app. In both cases, further additions are permitted for 14 days from opening and, as an added bonus, Castle Trust Bank pledges to plant a tree for each account funded within this timeframe. Early access, however, is only available upon account closure subject to a respective 90 and 360 days’ loss of interest.

The provider shares top spot on our one-year chart with Vanquis Bank after it also recently increased its 1 Year Fixed Rate Cash ISA to pay 4.26% AER either monthly or on anniversary. While it requires the same, £1,000 minimum deposit to open and manage online, further contributions to this amount are accepted for a longer, 30-day window using a nominated account. Any early access to your cash will also need to take place using a nominated account and is subject to 90 days’ loss of interest.

Elsewhere, United Trust Bank offers the best two- and three-year fixed rates after raising its Cash ISA 2 and 3 Year Bonds to each pay 4.21% AER on anniversary. A more significant deposit of at least £5,000 is needed to open either option online – further additions to which are accepted for 14 days via a nominated account. These accounts can then additionally be managed by post or over the phone and permit withdrawals via a nominated account subject to a respective 270- and 320-day loss of interest. However, you’ll also have the opportunity to withdraw any interest accrued each year on the account’s anniversary.

The best notice cash ISA rates

As for ISAs that require notice before making a withdrawal, Harpenden BS extends its tenure at the top of our up to 30-day notice chart for yet another week. After opening online with a £1,000 minimum deposit, its Online 14 Days’ Notice ISA Account (Issue 1) can be managed via the same means and pays 4.24% AER yearly. While further additions are permitted without restriction, note there’s no option for gaining early access to your cash and therefore any withdrawals are subject to 14 days’ notice and must be made using a nominated account.

Those willing to wait longer before accessing their cash will find a marginally higher rate of 4.25% AER is available from Tipton & Coseley BS; the building society currently leads our up to 60-day notice chart following recent reductions from fellow mutual, West Brom BS. The former’s 60 Day Notice ISA (Issue 2) pays interest yearly after opening in branch or by post with a £1,000 minimum deposit and can additionally be managed over the phone.  Again, there are no restrictions when it comes to making further deposits, but all withdrawals must be made via cheque and are subject to 60 days’ notice. That being said, it’s possible to gain early access to your cash without needing to serve the full notice period subject to a 60-day loss of interest penalty.

Alternatively, tech-savvy savers could consider the provider’s digital counterpart. After opening via mobile app with a £1,000 minimum deposit, Tipton & Coseley BS’s 60 Day Notice ISA (Issue 2) (Mobile App Account) can additionally be managed over the phone and accepts further contributions via a nominated account. Similarly, any withdrawals must take place using a nominated account, with early access still allowed subject to 60 days’ loss of interest.

Nevertheless, keep in mind higher rates are still available from the top easy access ISAs.