TL;DR
This Is Money updated its cash ISA tables on 2 October 2026, listing easy-access and fixed-rate accounts by advertised tax-free rate. The tables show rates up to 4.60% for easy access and 5.25% for a five-year fixed deal; providers cannot pay for placement, and rates may change.
This Is Money updated its cash ISA tables on 2 October 2026, listing easy-access and fixed-rate accounts from banks and building societies by their advertised tax-free rates. The table’s leading listed rates are 4.60% for easy access and 5.25% for a five-year fixed account, giving savers a comparison of deals that differ in access rules, minimum deposits and term length.
The easy-access table lists Trading 212 at 4.60%, with a £1 minimum and a one-year 1% bonus, followed by Chip at 4.56% and Moneybox at 4.56%. The table also lists Plum at 4.55%, including a 2.01% bonus for 12 months, and Hargreaves Lansdown at 4.52%. These are rates reported in the updated table, not a guarantee that the offers remain available or unchanged.
Access conditions vary. Some accounts restrict the number of withdrawals before the rate falls: Vanquis Bank’s Triple Access Isa 9 is listed at 4.30% with three withdrawals, while Tipton Building Society’s Isa Reward Saver 2 is listed at 4.30% with four. The table marks other accounts with one- or two-withdrawal limits. Several easy-access deals also include bonuses that last for a stated period, so the headline rate may not apply throughout the life of an account.
Among fixed-rate accounts, the table lists Shawbrook Bank at 5.25% for five years, with a £1,000 minimum. It lists Close Brothers at 5.12% for five years, requiring £10,000, and Vida Savings at 5.11%, requiring £1,000. For shorter terms, the highest listed rates include 5.11% from Close Brothers for three years, 5.06% from Shawbrook for two years and 4.94% from Shawbrook for one year. Minimum deposits and the time customers must leave funds invested differ by provider.
Rates Depend on Access and Term
The tables show why comparing only the top percentage can give an incomplete picture. An easy-access account may offer more flexibility, but withdrawal limits or a time-limited bonus can affect how useful its rate is. A fixed-rate Isa offers a stated rate for a set period, but customers generally need to accept that their money will be tied up under the account’s terms.
The difference between the listed top easy-access rate and the top five-year fixed rate is 0.65 percentage points, based on the figures in this update. That comparison does not establish which account is better for an individual saver: the fixed deal lasts longer and has its own eligibility and access conditions. The tables can help readers identify offers to investigate, but the product terms and the saver’s need to access funds remain central.
Cash Isas shelter interest from tax under the rules that apply to these accounts. A current rate table is useful because providers can change offers, but the listed rates are a snapshot rather than a promise of future returns or continued availability.
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How This Money Ranks Isa Deals
This Is Money says its tables are compiled by savings expert Sylvia Morris and the publication, with accounts ordered by rate. It says banks and building societies cannot pay to appear in the tables or improve their position. That describes the publication’s stated method; readers should still check each provider’s own terms before applying.
The report also discloses that This Is Money may earn an affiliate commission when readers open certain accounts through links marked with an asterisk. It says that commission does not affect account placement or editorial independence. The published notes state that rates may change without notice from providers, and advise checking details before applying.
The table includes products with different minimum deposits, bonus periods, withdrawal allowances and fixed terms. It is not a single like-for-like ranking: a 4.60% easy-access offer and a five-year fixed account at 5.25% carry different access commitments. The source material provides listed rates and selected conditions, rather than a forecast of where savings rates will move.
„Banks and building societies cannot pay to appear or boost their position.“
— This Is Money
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Offers May Change After Publication
The table is dated 2 October 2026, but the source warns that providers may change rates without notifying the publication. It is not clear from the report whether every listed offer remained open after the update time, or whether providers later changed eligibility, bonus terms or account availability. Savers should confirm the rate, minimum deposit, withdrawal rules and bonus period directly with a provider.
The reported rates alone do not show how much interest a particular saver would earn. That depends on the amount deposited, when money is paid in or withdrawn, and the account’s detailed terms. The supplied material also does not give a forecast for future savings rates or explain how each account’s rate might change once a bonus expires.
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Check Provider Terms Before Applying
The next step for readers considering an account is to check the provider’s current offer and full terms, including the minimum deposit, bonus duration, withdrawal restrictions and fixed term. Those details can determine whether a headline rate is suitable for money that may be needed at short notice.
This Is Money says its tables are updated as new deals arrive. The listed rates should therefore be treated as the position reported at the stated update time, with future changes dependent on providers. The source does not announce a specific next update date or identify any pending rate changes.
high interest tax-free savings accounts
As an affiliate, we earn on qualifying purchases.
As an affiliate, we earn on qualifying purchases.
Key Questions
What is the highest easy-access cash ISA rate listed?
The updated table lists Trading 212 at 4.60%, with a £1 minimum and a 1% bonus for 12 months. The rate and availability may change, so check the provider’s current terms.
Which fixed cash ISA has the highest listed rate?
The table lists Shawbrook Bank at 5.25% for five years, with a £1,000 minimum investment. A five-year fixed term differs from an easy-access account and may limit access to the money under the product’s conditions.
Are all easy-access ISAs fully flexible?
No. The table identifies accounts with limits on the number of withdrawals, after which the rate may drop. Check the particular account’s rules rather than assuming that “easy access” means unlimited withdrawals without a rate change.
Can the rates in the tables change?
Yes. This Is Money says rates may change without providers notifying it. The figures are a snapshot from the table updated on 2 October 2026, so confirm the current offer with the provider before applying.
Do providers pay to be ranked in the tables?
This Is Money says banks and building societies cannot pay to appear or improve their position. It also discloses that it may earn affiliate commission from some links marked with an asterisk and says this does not affect account placement.
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