In this best buys guide we’ve listed the top paying option across both easy access and fixed ISAs.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
Best easy & limited access Cash ISA
If an account is labelled “Limited access” you still get access to your money when you need it, but you might be restricted how may times you can make those withdrawals. If you exceed these limits you might have to close the account and withdraw the entire balance.
Limited access Cash ISA
More details ▼
Additional Info
If you transfer in an existing ISA, you won’t get the bonus so your rate will be 3.79%
Rate correct as at 17/12/24. 4.93% AER (variable) includes a bonus rate of 1.12% AER (variable) for the first 12 consecutive months. A lower rate of 3.81% AER (variable) applies if account conditions aren’t met.
After four withdrawals or when your balance drops to less than £100, your rate drops to 2.5%
Tax treatment depends on your personal circumstances and is subject to change
Flexible ISA?: No
FSCS Protected?: The FSCS protects up to £85,000 that you have saved, per bank, building society or credit union (or up to £170,000 for joint accounts), subject to eligibility. FSCS protection applies differently
Bonus: Includes 1.37% bonus for the first year (no bonus paid for transfers in)
Allows transfers in: Yes
▲
Limited access
More details ▼
Additional Info
FSCS Protected?: Yes
Bonus: Includes 0.47% bonus for 12 months
Allows transfers in: Yes
Flexible ISA?: No
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
▲
Limited access
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
Flexible ISA?: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: No
Flexible ISA?: Yes
▲
Get the best of our money saving content every Thursday, straight to your inbox
+ Get a £20 Quidco bonus (new members only). More details
Best Fixed rate ISAs
Unlike fixed savings accounts you can withdraw money from a fixed ISA, though you’ll pay a penalty to do so. For a one-year fix that’s normally 90 days interest.
Best one year fixed Cash ISAs
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: No
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
Best 18 month fixed Cash ISAs
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
Nottingham Building Society
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
Best two year fixed Cash ISAs
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
Best three year fixed Cash ISAs
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: No
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
Best four year fixed Cash ISAs
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
Best five year fixed Cash ISAs
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
Best seven year fixed Cash ISAs
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
▲
Best Lifetime ISAs
This is a Stocks and Shares LISA, so it’s designed for buying investments, but you don’t strictly have to. Any money not invested can earn 4.84%, the highest rate on cash available in a LISA.
More details ▼
Additional Info
FSCS Protected?: Yes
Fees:: If you choose to invest within Dodl there’s a 0.15% fee (minimum £1 per month), but this isn’t applied to uninvested cash.
▲
More details ▼
Additional Info
Bonus: Includes 1% bonus for 12 months
FSCS Protected?: Yes
Allows transfers in: Yes
Flexible ISA?: No
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
Flexible ISA?: No
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: No
Flexible ISA?: No
▲
More details ▼
Additional Info
FSCS Protected?: Yes
Allows transfers in: Yes
Flexible ISA?: No
▲
More about ISAs
Individual Savings Accounts, or ISAs, are tax free savings products. Though they aren’t the only way to earn interest without paying tax, they can still be worth looking at to get the best rates on your cash.
When looking at easy access Cash ISAs, a “Flexible” ISA means you can withdraw money and pay it back without it impacting that year’s £20,000 allowance.
You can add up to £20,000 of new money each financial year across all ISAs you hold, though Lifetime ISAs are limited to £4,000 within that. Here’s more on ISA allowances.
If you’re moving money from an existing ISA, it’s vital you transfer to the new ISA rather than withdraw it and then deposit it. Not all accounts allow transfers in, but we’ve included in our tables when they do.
