Best cash Isa savings rates: Easy access and fixed deals in our tables
- Compiled by our savings expert Sylvia Morris – providers cannot pay to appear
This is Money’s best cash Isa tables are updated as new deals arrive and highlight the top easy access and fixed rate Isas from banks and building societies.
Our cash Isa rate tables are compiled by savings expert Sylvia Morris and This is Money. We include all the top deals on the market, ordered by rate, and banks and building societies cannot pay to appear or boost their position.
Important note: Be aware that there is a cash Isa bonus battle going on at the top of the table at the moment using short-term three month bonuses. We recommend you check the underlying rate and the conditions on limited withdrawals.
Find out more about our savings tables and Sylvia below.
Five of the best cash Isas: Our pick of the standout Isa deals and rates
Easy access cash Isas
Fixed rate Isas
| Type of account (min investment) | Rate (tax-free) |
|---|---|
| ONE YEAR | |
| Castle Trust Bank (£1,000+) | 4.26 |
| Cynergy Bank (£1,000+) | 4.26 |
| Hodge Bank (£1,000+) | 4.25 |
| Kent Reliance (£1,000+) | 4.25 |
| Secure Trust Bank (£1,000+) | 4.25 |
| United Trust Bank (£5,000+) | 4.25 |
| Vida Savings (£100+) | 4.25 |
| Charter Savings Bank (£5,000+) | 4.23 |
| EIGHTEEN MONTHS | |
| Paragon Bank (£1,000+) | 4.25 |
| Skipton BS (£5,000+)(2) | 4.13 |
| TWO YEARS | |
| Hodge Bank (£1,000+) | 4.2 |
| Close Brothers (£10,000+) | 4.19 |
| United Trust Bank (£5,000+) | 4.18 |
| Cynergy Bank (£1,000+) | 4.17 |
| Secure Trust Bank (£1,000+) | 4.17 |
| Kent Reliance | 4.13 |
| Hampshire Trust Bank (£1+) | 4.11 |
| Vida Savings | 4.11 |
| THREE YEARS | |
| Hodge Bank (£1,000+) | 4.2 |
| Close Brothers (£10,000+) | 4.19 |
| United Trust Bank (£5,000+) | 4.18 |
| Cynergy Bank (£1,000+) | 4.17 |
| Secure Trust (£1,000+) | 4.16 |
| FIVE YEARS | |
| Nottingham BS (£500+) | 4.2 |
| Close Brothers (£10,000+) | 4.19 |
| Hodge Bank (£1,000+) | 4.19 |
| Secure Trust (£1,000+) | 4.16 |
| Shawbrook Bank (£1,000+) | 4.18 |
| United Trust Bank (£5,000+) | 4.00 |
| Notes on accounts | |
| (1) This rate is the ‘expected profit rate’ under Sharia compliant accounts | |
| (2) 15-month term | |
| Compiled by This is Money. Rates may change without banks notifying us. Always check details before applying | |
Lifetime Isas
You can use a lifetime Isa to buy your first home or save for later life. You must be 18 or over but under 40 to open one.
You can put in up to £4,000 each year, until you’re 50. The government will add a 25 per cent bonus to your savings, up to a maximum of £1,000 per year.
Dear Saver,
This is Money’s savings tables are unique. They are independent and providers do not have to pay to appear, which can be the case at comparison sites.
They are completely unbiased – we simply show the best rates around – and providers cannot pay to get themselves up the rankings.
The only way they can get to the top of the table is by offering you a better deal.
We will include accounts with decent bonuses and restrictions on withdrawals, but will always flag these.
If you are looking for a true easy access account, then you should consider avoiding those with strict limits on withdrawals before the rate drops.
It is also worth looking for a flexible Isa, which can be a great tax-beating tool, as these let you take money out and pay it back in during the same tax year without eating your precious annual Isa allowance.
All banks and building societies are registered with the Financial Services Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £85,000) or via its passport scheme (where the compensation limit depends on the bank’s home country. In Europe it is €100,000).
If you have a question about the tables email editor@thisismoney.co.uk putting Savings Tables in the subject line.
And don’t forget to sign up to This is Money’s Savings Alerts to be the first to find out about the best rates when they land.
Sylvia Morris, This is Money savings tables expert
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Read More: Best cash Isa savings rates: Easy access and fixed deals in our tables