Best cash Isa rates 2025: Our pick of the five top deals

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In this regularly updated round–up, This is Money picks our five favourite cash Isas for savers in 2026.

It is essential reading to help you choose a top savings account for your money that can also protect you from tax – and we detail the top easy access and fixed rate cash Isa deals.

This top Isa round–up has been keeping our readers updated on the best savings deals since 2014 and is kept up–to–date weekly. Bookmark it for the very latest developments.

How an Isa works and why you should have one

Each year in April, savers are given a fresh Isa allowance that qualifies for tax–free interest. 

For the 2026/27 financial year, starting 6 April 2026 and ending 5 April 2027, the limit is £20,000. From April 2027, the limit for cash Isas will fall to £12,000 for under 65s.

You can transfer Isa money whichever way you wish between an investment account to savings account – but again, the rules change from April 2027.

Cash Isa rates have been rising, along with non–tax free rates. It is worth opening one to shield money away from the taxman, especially with rates moving upwards.

You can also transfer an old Isa for better returns. Here’s a quick guide to Isa saving.

It is possible to switch your current year’s cash Isa if you move the entire amount, but it is far simpler to get your choice right in the first place.

Get an Isa to beat savings tax 

Higher rates have dragged more people into the savings tax net, meaning a cash Isa’s shelter is even more valuable. 

An Isa is worth having, despite the tax–free savings interest allowance of £1,000 a year for basic rate taxpayers and £500 for higher rate taxpayers. 

If you’re a basic–rate taxpayer earning 5 per cent interest, having more than £20,000 in savings will tip you into tax, for a higher–rate taxpayer that figure is £10,000 and if you are in the 45p tax bracket, you get no savings allowance at all.

You may also want to look into a stocks and shares Isa. Read about how to choose the best stocks and share Isa.

Our five favourite Isas:

 – Facts: £1 to open

– Transfers in: Yes 

– Flexible: Yes

> Full details at Trading 212* 

This is Money says: Trading 212 has consistently offered one of our favourite cash Isas because it usually sits near the top of our rate table, it accepts transfers and has a low minimum deposit. 

The rate includes a 1.01 per cent bonus rate which lasts for 12 months for new customers, after which it falls to 3.6 per cent. Use this special This is Money Trading 212* link to secure it.

Existing customers can earn 3.6 per cent with interest paid monthly. 

The Isa is competitive because it has a good underlying rate, no withdrawal limits and is flexible.

Trading 212 will also apply the boosted rate to contributions made this tax year when transferring an Isa from another provider – previous tax year contributions receive the lower rate.

The account can only be opened by downloading Trading 212’s app. There are no limits to how many times you can withdraw your money and Trading 212 will not reduce your interest rate for accessing your money.

Trading 212’s Isa is a flexible Isa which is a big benefit to savers with the financial fire power to max out their Isa limit each year. 

Any cash deposited with the Trading 212 cash Isa is fully FSCS protected, as are all of the accounts in this list. Funds in the Trading 212 Isa are held in partner bank accounts with Barclays, NatWest and JPMorgan, so they’re FSCS protected with these providers.

Customers are able to see the percentage of their cash held at each bank is in the interest on the cash tab in the Trading 212 app.

It means if you already have money in Barclays, NatWest or JPMorgan, you’ll need to be careful not to breach the £120,000 limit if you put money away with Trading 212.

Read our Trading 212 review to find out how it performs as an investment platform. 

 – Facts: £500 to open

– Transfers in: Yes

– Flexible: No

> Full details at HSBC

This is Money says: Banking giant HSBC has made a rare entry into our best five Isas – although, you’ll need a current account to get this rate.

There is no maximum limit for transfers in.  

Your money is FSCS protected up to £120,000, as are all accounts in this list.

Other high street names have also launched decent tax-free rates in recent weeks, including Nationwide with a 4.35 per cent one-year fix, 4.4 per cent two-year and 4.5 per cent five-year. 

Santander, NatWest and Barclays are also offering one-year fixes with rates of 4.5 per cent and higher. 

– Facts: £1,000 to open

– Transfers in: Yes (but must transfer to its stocks and shares Isa first)

– Flexible: No

> Full details at Hargreaves Lansdown*

This is Money says: Hargreaves Lansdown is offering a rate of 4.5 per cent on its 1-year fixed cash Isa.

Hargreaves Lansdown’s cash Isa is available as part of its Active Savings platform. This is a service that allows you to compare rates from lots of different providers in one place. 

You can spread your money out among several providers and switch rates when better ones become available, but keep in mind if you choose a fixed-rate product your money’s locked away until the end of the term.

This interest rate is available through Chetwood Bank. 

A quirk with transfers means that you must transfer to a stocks and shares Isa first before moving your money over to the cash product. However you need to open a cash Isa with £1 before doing this, so you can’t transfer if you’ve already maxed out your allowance.

– Facts: £1,000

– Transfers in: Yes

– Flexible: No

> Full details at Kent Reliance

This is Money says: Kent Reliance is offering a top rate for two years at 4.45 per cent.

The best cash lifetime Isa

– Facts: £1 to open

– Transfers in: Yes (not partial transfers)

– Flexible: No

> Full details at Moneybox

This is Money says: For those aged between 18–39 who are either saving up to buy their first home or towards retirement, Moneybox has consistently offered a top rate on its lifetime Isa. 

Save up to £4,000 each tax year and get a 25 per cent government bonus. The deal is only available through its app. 

The rate includes a 1.95 per cent fixed bonus for the first year, making the underlying rate 2.8 per cent.