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

Products featured in this article are independently selected by This is Money’s specialist journalists. If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence.

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 2025/26 financial year, starting 6 April 2025 and ending 5 April 2026, the limit is £20,000.

You can transfer Isa money whichever way you wish between an investment account to savings account, whereas previously you could only shift it from saving to investments. 

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: £500 to open

– Transfers in: Yes 

– Flexible: Yes

> Full details at Etoro*

This is Money says: Etoro is known primarily as an investment platform, however it also offers a cash Isa in partnership with Moneyfarm, the digital wealth manager.

The 4.61 per cent variable rate is a boosted one for new customers. After 12 months it drops to 3.51 per cent.

To qualify, you must deposit £500 or transfer £15,000 within the offer period, which is currently scheduled to end on 30 April.

Your balance also must remain at least £500 for 12 months and you can’t make more than three deposits, otherwise the rate will drop to 3.51 per cent. 

Note that Etoro holds your money in a qualifying money market fund (QMMF), which the interest rate is linked to. This places your money in short–term, low–risk investments, but Etoro says your money is still protected under the Financial Services Compensation Scheme.

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

 – Facts: £1 to open

– Transfers in: Yes 

– Flexible: Yes

> Full details at Trading 212* 

This is Money says: Trading 212 is the best cash Isa if you’re looking for the top rate at the moment and a true easy–access Isa that doesn’t cut rates for withdrawing money. 

The rate includes a 0.83 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 minimum deposit

– Transfers in: Yes

– Flexible: Yes

> Full details at Tembo

This is Money says: A quartet of providers – Zopa, Tembo, Investec Save and Vanquis – are offering a one–year fixed Isa at a rate of 4.05 per cent, but Zopa makes this list because of its Smart Isa offering. 

It’s worth looking at if you want to spread your money across a few Isa products from the same provider and manage it all in one place.

Zopa’s Isas are flexible, meaning you can withdraw money and replace it in the same tax year without affecting your Isa allowance. But keep in mind that there’ll be an interest charge if you want to withdraw from a fixed Isa before the end of the term. 

– Facts: £1,000

– Transfers in: Yes

– Flexible: No

> Full details at Close Brothers

This is Money says: Harpenden BS is offering the best two–year fix at the moment, and it accepts transfers in from other providers. 

There’s a charge of 180 days loss of interest if you want to close the account before it matures. Withdrawals aren’t permitted otherwise.

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, this is the best cash Lisa rate on the market – and the top rate on any Isa product available at the moment. 

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 1.85 per cent fixed bonus for the first year, making the underlying rate is 2.8 per cent.