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.
Find out more about our savings tables and Sylvia below.Â
> Five of the best cash Isas: Our pick of the standout Isa deals and ratesÂ
Easy access cash Isas
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Fixed rate Isas
CASH ISA FIXED-RATE TERM ACCOUNTS Type of account (min investment) Rate (tax-free) ONE YEAR Castle Trust Bank (£1,000+) 4.70Vida Savings (£1,000+) 4.70Vanquis Bank (£1,000+) 4.69 Cynergy Bank (£500+) 4.67Charter Savings Bank (£5,000+) 4.67Close Brothers (£10,000) 4.67Hodge Bank (£1,000+) 4.61Coventry BS (£1+) 4.60 Investec (£1,000+) 4.60 Aldermore Bank (£1,000+) 4.60 Kent Reliance (£1,000+) 4.58 Tembo (£500+) 4.55Scottish BS (£500+) 4.51 Furness BS (£1,000+) 4.50Principality BS (£500+) 4.50Leeds BS (£100+) 4.50 Zopa Bank (£1+) 4.50 Santander (£500+)4.50 Tandem Bank (£1+) 4.45 Hinckley & Rugby BS (£500+) 4.41 Virgin Money (£1+) 4.41 Oaknorth Bank (£1+) 4.40Nationwide (£1+) 4.40 Tesco Bank (£1+) 4.40Paragon Bank (£500+) 4.40 Yorkshire BS* (£100+)4.40   EIGHTEEN MONTHS  TSB Bank (£1+) 4.45 Cambridge BS (£500+) 4.40   TWO YEARS Vida Savings (£1,000+) 4.77 Hinckley & Rugby BS (£500+) 4.76Cynergy Bank (£500+) 4.75 Vanquis Bank (£1,000+) 4.74 Charter Savings Bank (£5,000+) 4.72 Aldermore Bank (£1,000+) 4.72Close Brothers (£10,000) 4.70 Kent Reliance (£1,000+) 4.68 Coventry BS (£1+) (To December 2028) 4.63 Hodge Bank (£1,000+)4.61RCI Bank (£1,000+) 4.60Tandem Bank (£1+) 4.55 Furness BS (£1,000+)4.55 Scottish BS (£500+) 4.51 Nationwide (£1+) 4.50 Santander (£500+) 4.50 Leeds BS (£100+) 4.50 Skipton BS (£1+) 4.50 Yorkshire BS* (£100+)4.45   THREE YEARS Vida Savings (£1,000+) 4.80Cynergy Bank (£500+) 4.75 Aldermore Bank (£1,000+) 4.75Close Brothers (£10,000) 4.70Nationwide (£1+) 4.65 Charter Savings Bank (£5,000+) 4.65 Santander (£500+) 4.65 Hodge Bank (£1,000+) 4.56Skipton BS (£1+) 4.55 Tandem Bank (£1+) 4.55 Nottingham BS (£1+) 4.55 Yorkshire BS* (£100+)  4.50  FIVE YEARS  Vida Savings (£1,000+) 4.85 Hinckley & Rugby BS (£500+) 4.82 Skipton BS (£1+) 4.76 Close Brothers (£10,000) 4.75Nationwide (£1+) 4.70 Marsden BS (£5.000+) 4.70 Santander (£500+) 4.70 Newcastle BS (£1+)4.65 Manchester BS (£1+)4.65 Hodge Bank (£1,000+) 4.62Tandem Bank (£1+) 4.60 Nottingham BS (£1+) 4.60 Compiled by This is Money. Rates may change without banks notifying us. Always check details before applying
Lifetime IsasÂ
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.Â
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.Â
We will include accounts with decent bonuses and restrictions on withdrawals, but will always flag these.Â
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 £120,000) 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.Â
Sylvia Morris, This is Money savings tables expert
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Best cash Isa savings rates: Easy access and fixed deals in our tables
