Cash ISA picks for 2025/26

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

There are lots of ISAs right now with very attractive rates nudging close to 6%. But be careful, many of these are distorted by a three month bonus. When those 90-odd days are over, it’ll fall to a much lower rate. Not only could that rate be beaten elsewhere, you might find the combined bonus and underlying rate is also much lower.

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	3 month bonus rate	Underlying rate	Effective rate
Plum (limited access)	5.92%	2.38%	3.54%	4.14%
Chip	5.90%	1.58%	4.32%	4.72%
CMC Invest*	5.70%	0.85%	4.85%	5.06%
Moneybox (limited access)	5.67%	1.42%	4.25%	4.61%
Trading 212	5.60%	1.10%	4.50%	4.78%

Top paying easy access ISAs without / after a short bonus

If you don’t want the faff of potentially moving your money after three 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.

I’ve also included rates with a 12 month bonus here, as though the underlying rate could drop, the bonus will be fixed, so should be comparable to what you get elsewhere

Bank	Rate
CMC Invest*	4.85% (underlying rate after bonus)
Tembo	4.8%
Monument	4.76%
Moneybox (Open Access Cash ISA)	4.57 including 12 month bonus

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.

Bank	Rate
CMC Invest*	4.85% (underlying rate after bonus)
Monument	4.76%
Trading 212	4.5% (underlying rate after bonus)
Paragon (Double access)	4.5%

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

The key names from above that are ruled out are Plum (which offers a lower rate for transfers) and Monument.

Bank	Rate with bonus	Rate after bonus
Chip	5.90% (including 1.38% bonus for three months)	4.32%
CMC Invest*	5.7% (including 0.85% bonus for three months)	4.85%
Trading 212	5.6% (including 1.1% bonus for three months)	4.5%
Tembo	No bonus	4.8%
Kent Reliance	No bonus	4.56%
Charter Savings Bank	No bonus	4.55%

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.

Bank	Rate
Buckinghamshire Building Society	4.53%	Post, in person & online
Furness Building Society	4.4%	Post, in person & online
Family Building Society	4.37%	Post, in person & online
Skipton Building Society	4.35%	Phone, post, in person & online

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?	Interest paid?	Online or app?	Non-online?
Gatehouse	4.5%	Yes	Monthly or annually	Yes	No
LHV via Hargreaves Lansdown	4.4%	No	At maturity	Yes	No
Melton BS	4.35%	Yes	Annually	Yes	Yes

Top paying two year fixed ISAs

Bank	Rate	Transfers?	Interest paid?	Online or app?	Non-online?
Chetwood Bank via Hargreaves Lansdown	4.46%	No	At maturity	Yes	No
Close Brothers	4.35%	Yes	At maturity	Yes	No
Progressive BS	4.3%	Yes	At maturity	No	Yes

Top paying three year fixed ISAs

Bank	Rate	Transfers?	Interest paid?	Online or app?	Non-online?
Close Brothers	4.3%	Yes	At maturity	Yes	No
Chetwood Bank via Hargreaves Lansdown	4.3%	Yes	At maturity	Yes	No
UBL	4.21%	Yes	Monthly, quarterly, annually or at maturity	Yes	Yes

Top paying five year fixed ISAs

Bank	Rate	Transfers?	Interest paid?	Online or app?	Non-online?
Close Brothers	4.32%	Yes	At maturity	Yes	No
Secure Trust Bank	4.3%	Yes	Yearly or at maturity	Yes	No
UBL	4.21%	Yes	Annually	Yes	Yes