Best cash Isa savings rates tables 2025: Easy access and fixed rates
- 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 | Fixed rates | Cash Isas | Savings platforms | Monthly income |
| Phone / postal | Junior Isas / children's | Offshore | National Savings | Premium Bonds |
Easy access cash Isas
| Account (Minimum investment and bonus) | Rate (tax-free) |
|---|---|
| If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect account placement or editorial independence. | |
| Accounts with short term bonuses have 12 month average rates listed in brackets | |
| Moneybox Cash Isa (£500+) (1.51% bonus for 3 months) (3) | 5.71 (4.57) |
| CMC Invest* (£1+) (0.85% bonus for 3 months) | 5.7 (5.06) |
| Trading 212* (£1+) (0.72% for 12 months with this TiM link) | 5.07 |
| Plum Easy-Access Isa* (£100+) (1.52% bonus for 12 months) (3) | 5.06 |
| Tembo Cash Isa (£10+) | 4.8 |
| Monument Bank Easy Access Cash Isa (£10,000+) | 4.76 |
| Vida Savings Defined Access Isa 1 (£10+) (4) | 4.63 |
| Charter Savings Bank Easy Access Isa 57 (£1+) | 4.59 |
| Vida Savings Easy Access Isa 1 (£10+) | 4.55 |
| Buckinghamshire BS Single Access Cash Isa (£1,000+) | 4.53 |
| Kent Reliance Easy Access Isa 56 (£1,000+) | 4.51 |
| Harpenden Online Single Access Isa (£1+) (1) | 4.5 |
| Principality Online Bonus 5 (1.55% bonus for 12 months)(5) | 4.5 |
| Lightyear (Tracks base rate) | 4.5 |
| Paragon Double Access Isa 8 (£1,000+) (2) | 4.5 |
| Leeds BS Online Access Isa 3 (£1,000+)(6) | 4.41 |
| Furness BS Double Access Saver Isa 1 (£1,000+) (2) | 4.4 |
| Saffron BS Online Easy Access Isa (£1+) | 4.4 |
| Family BS Market Tracker Cash Isa 2 (£1+) | 4.37 |
| Aldermore Reward Isa Double Access 1 (100+) (2) | 4.35 |
| Ford Money Flexible Isa (£1+) | 4.35 |
| Hampshire Trust Bank Easy Access Tracker 2 (£5,000+) | 4.35 |
| Yorkshire Bank Single Access eIsa (£1,000+) (1) | 4.35 |
| Wealthify* (£1+) | 4.33 |
| Chip* (£1) | 4.32 |
| Marcus by Goldman Sachs Cash Isa (£1+) (0.49% bonus for 12 months) | 4.3 |
| Nottingham Online Bonus Access Isa (£10+) (2.05% bonus for 12 months) | 4.25 |
| Virgin Money Defined Access E-Isa 34 (£1+)(3) | 4.06 |
| Harpenden Online Isa 4 (£1+) | 4.05 |
| Zopa Bank (£1) | 4.00 |
| Aldermore Bank (£1,000+) | 3.8 |
| Shawbrook Bank Easy Access Cash Isa 30 (£1,000+) | 3.7 |
| Ecology BS (£25+) | 3.5 |
| National Savings & Investments (£1+) | 3.5 |
| Swansea BS Cash Isa (£1) (Wales and existing members only) | 3.5 |
| Notes on accounts | |
| (1) You are limited to one withdrawal a year or the rate drops | |
| (2) You are limited to two withdrawals a year or the rate drops | |
| (3) You are limited to three withdrawals a year or the rate drops | |
| (4) You are limited to four withdrawals a year or the rate drops | |
| (5) You are limited to five withdrawals a year or the rate drops | |
| (6) You are limited to six withdrawals a year or the rate drops | |
| Compiled by This is Money. Rates may change without banks notifying us. Always check details before applying | |
Fixed rate Isas
| Type of account (min investment) | Rate (tax-free) |
|---|---|
| ONE YEAR | |
| Close Brothers (£10,000+) | 4.3 |
| Charter Savings Bank (£5,000+) | 4.27 |
| Tipton BS (£1,000+) | 4.27 |
| United Trust Bank (£5,000+) | 4.27 |
| Kent Reliance (£1,000+) | 4.26 |
| Hodge Bank (£1,000+) | 4.25 |
| Nationwide BS (£1+) | 4.25 |
| Saffron BS (£500+) | 4.25 |
| Santander (£500+) | 4.25 |
| Scottish BS (£500+) | 4.25 |
| Vida Savings (£100+) | 4.25 |
| Zopa (£1+) | 4.25 |
| EIGHTEEN MONTHS | |
| TWO YEARS | |
| Close Brothers (£10,000+) | 4.26 |
| Hodge Bank (£1,000+) | 4.15 |
| Kent Reliance (£1,000+) | 4.15 |
| Zopa (£1+) | 4.16 |
| THREE YEARS | |
| Close Brothers (£10,000+) | 4.25 |
| Ford Money (£500+) | 4.2 |
| Hinckley & Rugby BS (£500+) (30 month term) | 4.2 |
| Secure Trust (£1,000+) | 4.19 |
| Secure Trust (£1,000+) | 4.16 |
| FIVE YEARS | |
| Close Brothers Savings (£10,000+) | 4.3 |
| Hinckley & Rugby BS (£500+) | 4.25 |
| Secure Trust (£1,000+) | 4.2 |
| Shawbrook Bank (£1,000+) | 4.12 |
| Nottingham BS (£500+) | 4.1 |
| Notes on accounts | |
| (1) This rate is the 'expected profit rate' under Sharia compliant accounts | |
| 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.
| Provider | Rate % |
|---|---|
| Moneybox (£1+) (1.15% bonus for 12 months) | 4.7 |
| Tembo | 4.6 |
| Paragon Bank | 3.51 |
| Bath BS (For locals and existing customers only) | 3.34 |
| Skipton Building Society | 2.80 |
| Newcastle BS (£1+) | 2.70 |
| Compiled by This is Money. Rates may change without banks notifying us. Always check details before applying | |
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
| Easy access | Fixed rates | Cash Isas | Savings platforms | Monthly income |
| Phone / postal | Junior Isas / children's | Offshore | National Savings | Premium Bonds |
Our pick of the best ISAs
Best savings rates
Savings accounts finder
Current accounts finder
