A lot of the most competitive Moneybox Cash ISA rates have seen a slight increase this week, due to the rises in Plum, Trading 212, Chip, Moneybox, AlRayan Bank and Tandem Bank. The top accessible ISA rate reaches 4.61 AER, while the top three-, two and five-year ISAs have a total of 4.71 AER of 4.64, 4.64% AER and 4.76 AER.
Furthermore, the recent developments within the ISA market don’t end there. Other providers have also had extremely competitive rises and launches close to the middle of our quick accessibility and fix ISA charts during the last week as they fought to be the top spot. There are some appealing changes of Hargreaves Lansdown, Sidekick, Vida Savings, Close Brothers Savings, Furness BS, RCI Bank UK, Marsden BS, Coventry BS and Charter Savings Bank.
In these industries, frequently and constantly searching the market to find the most recent and best bargains is essential to ensure you’re getting the most value for your hard-earned cash.
Featured Cash ISA Accounts
Below, you will find out more information about accounts that provide some of the highest easy-access fixed and notice cash ISA rates currently available. They can be used by new customers, with a deposit of PS10,000. Remember that there are higher rates available to customers already on the list or those who have more money in their initial deposit.
To get a fuller review of the current market for cash ISA marketplace, look at our graphs or, if you prefer to learn more about the tax-free savings accounts available, check out the ISA guide.
It has been a week that saw an increase to the most popular simple access ISA rate as well as the Trading 212 Money ISA Promotion Rate that is now paying 4.61 percent AER each month (inclusive of a 1.01% bonus over 12 months). To get this headline rate, savers must apply via Moneyfactscompare.co.uk before August 3, 2026 (and may find they need to enter the promo code “MFC”). The ISA is accessible either online or via mobile application with a minimum opening amount of PS1 and it can be later managed using the same methods. After being funded, the account gives you unlimited, no-cost access with no penalty. As an additional advantage, it adheres to a flexible ISA, so any funds that are taken out can be refunded in the same tax year, without affecting the ISA allocation.
Plum Cash ISA: 4.60% AER
The Plum’s Plum Cash ISA ranks in the second spot on our list, paying 4.60% AER each month (inclusive of a 2.06% bonus on the 12-month term) in the wake of another increase. The app-only ISA can be opened by making only a tiny deposit of PS1 and will accept further expansions with no restrictions. While it is subject to flexibility ISA rules, it is important to note that there is no interest due for the month in the event that the account is closed or a transfer is required.
Moneybox Cash ISA
After a change, the Moneybox Moneybox Cash ISA is now the third spot on our list, providing 4.55 AER per month (inclusive of a 1.06 percent bonus for one year). It’s available online and through a mobile application with a more substantial limit of PS500, and savers are able to increase their accounts without any restrictions. However, they can only make three withdrawals per year by way of a named account, before the lesser rate of 0.75 AER or 1% is applicable.
Chip Smart Cash ISA (4.55% AER Monthly)
The Chip Smart Cash ISA is also able to pay 4.55% AER per month after an increase in rate (inclusive of a 0.77% bonus over 12 months). This is an app-only ISA (which adheres to the flexible ISA rules) and will require an opening deposit of at least PS1, and savers are able to increase their deposits without restriction. However, it must be noted that no interest is due during the month when the account is shut down, or funds are transferred out.
Before you make an application for these ISAs, it is a good idea to check the banks that are partners with the service provider to make sure your funds are protected by the Financial Services Compensation Scheme (FSCS).
Al Rayan Bank 1-Year & 2-Year Fixed ISA
The top 1-year fixed ISA has been firmly in place this week, and the AlRayan Bank 1-year Fixed Rate Cash ISA through Meteor Savings is paying an expected rate of 4.70 percent AER. The company also provides the most competitive two-year ISA rate as well as the two-year fixed rate cash ISA through Meteor Savings offering an anticipated profit rate that is 4.71% AER following an increase. The expected profit is paid upon the date of maturity. These ISAs are available through an online application on the Meteor Savings Platform with a minimum deposit of just PS1,000, but additional deposits aren’t permitted. If access to the account is required before closing, it is subject to an increase in the anticipated profit to 0.05 per day within 90 days of opening or the number of days since the account was opened, whichever is less.
In the wake of a series of increases, Tandem Bank now leads in our two-, three-, and five-year ISA charts with its two, three, and five-year fixed rate cash ISAs that pay 4.71 percent AER, 4.64% AER, and 4.76 AER per month and 4.76% AER monthly, respectively. The ISAs do not need a minimum investment to open through a mobile app and will accept additional contributions for an additional 14 days. Early access is available on closing only, and is subject to the 180-, 270-, or 365-day penalty for loss of interest depending on the time of closure. They are a great option for green-minded savers since when you open an account, you’re helping Tandem Bank’s environmentally friendly lending programs.
Dudley Building Society Holds Top Spot for Notice Cash ISAs
There have been no changes in the most popular Notice IISAs this week, and Dudley BS is still offering the highest prices, which are 3.95 percent AER as well as 4.00 percent AER per year for 30 and 60 days’ notice. The 30-day Notice Cash ISA Issue 4 and 60-Day Notice Cash ISA Issue 3 are available in branches or by mail for those who have an opening balance in the amount of PS100 or more that savers are free to increase without limitation. If savers require access earlier, it is possible; however, it is at risk of a 30- or 60-day penalty for loss of interest. If they don’t, they’ll have to endure either a 30- or 60-day period to get access to their cash, penalty-free.
Stafford Building Society Notice ISAs: Up to 4.10% AER
The company is also continuing to provide 4.00 percent AER per year on a 60-day notice ISA; the Stafford BS’s notice 60 ISA. The firm also offers the first 90 days’ notice period of 4.10 percent AER annually for their Notice 90 Cash ISA. They are both available via the internet, in branch, or via post, with the same initial deposit amount of PS100, and after that they can be administered via post or in a branch only. Further contributions are allowed without limitation, but it should be kept in mind that savers will only be permitted to make four withdrawals during the period of the society’s year (November 1 through October 31). It is not possible to access funds earlier, and savers must wait until the 60- or 90-day notification period to receive their funds.