Where should you put your cash for the new financial year?
We’ve rounded up the best paying easy access and fixed Cash ISAs right now, including which ones allow transfers in, which are flexible, whether you have to open online and when interest is paid out.
For more options, make sure you check out our daily updated full Cash ISA best buy page.
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Top paying easy access ISAs
Top paying easy access ISAs with bonus
The top paying easy access ISAs right now all come with 12 month bonuses that are only available to new customers, and in some cases, only on new deposits rather than transfers (I’ve looked at transfers separately).
eToro has the top rate, but just be aware that the money is invested in a money market fund rather than held as cash, so you’ll have the lower £85,000 FSCS protection if eToro goes bust.
Next up is a new account from savings platform Propser. It’s a strange one as the bonus part of the rate is paid out as cashback at the year end, so it will be tax-free, but won’t be kept in the ISA wrapper. This also has a hefty £10,000 minimum and the underlying rate tracks the base rate, so expect it to fall once or twice this year. Though as all easy access rates are variable with other providers, they all could change.
| Bank | Rate | 12 month bonus rate | Minimum |
| eToro* (triple access) | 4.61% | 0.8% | £500 |
| Trading 212 | 4.54% | 0.94% | £1 |
| Prosper | 4.5% | 2.72% | 2.72% |
| Plum | 4.5% | 1.94% | £1 |
Top paying easy access ISAs without a bonus
If you aren’t eligible for the bonus rates or don’t want the faff of potentially moving your money after 12 months, then these accounts will be roughly the same for a year. Of course, they’re all variable, so they can and likely will change, so don’t assume you won’t be able to improve as the year goes on.
Watch out too for whether it really is easy access. Some are instead limited access, meaning you can only take money out a handful of times before the rate drops. In some cases that won’t be an issue. For example, you don’t intend to take the money out but want the option in an emergency, or if there’s a known withdrawal or two you’ll need to make, and that’s it.
| Bank | Rate |
| Hargreaves Lansdown | 4.3% |
| Atom | 4.25% |
| Vida (double access) | 4.16% |
Featured switching deal
Our top pick
Customer rating
3.8/5
- Switch bonus£200
- Offer endsUnknown
- FSCS Protected? Yes
- Bonus requirements Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch
- Deposit requirements Deposit £1,500 in the first 60 days from opening the account
- Direct debits transferred over Set up two Direct Debits before or after the switch from a selected list of household bills
- Existing customers? Can't have held any Santander current account on 1 January 2025
- Restrictions Can't have received a switching bonus from Santander already, offer limited to once per person
- Eligible accounts Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
Top paying flexible easy access Cash ISAs
Not all easy access ISAs are the same. If your ISA isn’t labelled as ‘flexible’ it means any withdrawal you make effectively comes out of your annual allowance. So say you add £10,000 to the ISA at the start of the year, then withdraw £5,000 twice in a year, you’ll only be able to add up to £10,000 more in the same financial year.
But with a flexible ISA, you can still deposit a total of £20,000 after those initial withdrawals. So it’s useful to look for this if you think you might make withdrawals.
I’ve not included limited access accounts that are flexible, though you might find some which offer this.
| Bank | Rate |
| eToro* (triple access) | 4.61% with 12 month bonus for new customers |
| Trading 212 | 4.51% with 12 month bonus for new customers |
| Tandem | 4% |
| Tesco Bank | 3.97% |
*Not full FSCS protection
Top paying easy access Cash ISAs for transfers
If you’re wanting to move money across from another provider to get a better rate, you’ve got to check two things. First does the new provider allow transfers in? Not all do. Then, if they do, will you get the headline rate? Again, some will pay less
| Bank | Rate | Min |
| eToro* | 4.61% with 12 month bonus for new customers | £10,000 |
| Moneybox (triple access) | 4.46% including bonus (new customer rate only) | |
| Vida (double access) | 4.16% | |
| Charter Savings Bank | 4.11% |
Top paying easy access Cash ISAs you can open by post/phone
Not everyone likes online or app banking, which sadly means they’ll miss out on the top paying accounts. But if you do want to open your ISA via the phone or phone, these are worth a look. Some building societies will also have better rates if you open in branch, so its worth checking these in your local area.
All three of these accounts allow transfers in at the same rate, and none have bonuses.
| Bank | Rate | |
| Kent Reliance | 4.05% | In person & online |
| Family Building Society | 4.03% | Post, in person & online |
| Tesco Bank | 3.97% | Phone & online |
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Top paying fixed Cash ISAs
When it comes to fixed ISAs you don’t need to worry about whether it’s flexible or the type of access. You’ll generally only be able to deposit your money in an initial window.
The rate is locked fort the length of the fix, while you can make a withdrawal though you’ll face an interest penalty.
You might want to choose between whether the interest is compounded (i.e. added to the fixed account) and paid all at the end of the term, or whether it’s ‘paid away’ so you can access and use the interest monthly.
18 month and four year fixes are available but at lower rates than fixes around them, so I’ve not included them below – but they are listed on our best buy tables.
Top paying one year fixed ISAs
| Bank | Rate | Transfers? | Online or app? | Non-online? |
| Al Rayan via Meteor | 4.2% expected return | Yes | Yes | No |
| IS Bank via Meteor | 4.2% | Yes | Yes | No |
| Virgin Money | 4.15% | Yes | Yes | No |
| Harpenden BS | 4.12% | Yes | Yes | Yes |
Top paying two year fixed ISAs
| Bank | Rate | Transfers? | Online or app? | Non-online? |
| Al Rayan via Meteor | 4.15% expected return | Yes | Yes | No |
| Furness BS | 4.07% | Yes | Yes | Yes |
| Tandem Bank | 4.07 | Yes | Yes | No |
| Harpenden BS | 4.06% | Yes | Yes | Yes |
Top paying three year fixed ISAs
| Bank | Rate | Transfers? | Online or app? | Non-online? |
| Tandem Bank | 4.09 | Yes | Yes | No |
| Aldermore | 4.08% | Yes | Yes | No |
| Castle Trust | 4.08% | Yes | Yes | No |
| Close Brothers | 4.08% | Yes | Yes | No |
| — | ||||
| UBL | 4% | Yes | Yes | Yes |
Top paying five year fixed ISAs
| Bank | Rate | Transfers? | Online or app? | Non-online? |
| Chetwood Bank | 4.26% | No | Yes | No |
| Castle Trust | 4.25% | Yes | Yes | No |
| Close Brothers | 4.25% | Yes | Yes | No |
| — | ||||
| Furness | 4.2% | Yes | Yes | Yes |
Do flexible cash ISAs allow you to take transferred money in and out in the same tax year above that year’s £20k allowance?
It’s also worth pointing out that Plum has a fair few strings attached. Firstly they do not pay any interest in the month you close/fully transfer out the account and you forfeit the bonus if you close/transfer out before it is paid.
The bonus interest is only paid out after the 3 month bonus period has ended so if you want the bonus you’d have to keep the ISA earning a poor rate of interest whilst you wait for the bonus to be paid in order to transfer out and then potentially lose up to a month’s worth of interest in the month you do transfer out depending on when the transfer completes.
Why is CMC Invest listed as not fully FSCS protected?
Think it maybe due to the fact they say it could be held by a bank (currently NatWest) or in a QMMF.