The best cash ISAs – October 2025

The best cash ISAs can help you make the most of your tax-free savings. Here are the top rates to grow your money – take advantage before they disappear

Coins dropping into a piggy bank, cash ISAs concept
(Image credit: Getty Images)

The best cash ISAs are currently returning inflation-busting rates of up to 4.37%, while a stocks and shares ISA is a good option for long-term savings.

For those who want to lock in their cash for a set time, fixed-rate cash ISAs are a good place to start.

Everyone adult in the UK gets a £20,000 tax-free Individual Savings Account (ISA) allowance each fiscal year. They're a popular way to grow your savings – almost 10 million people put money in cash ISAs in 2023/24.

We have rounded up the best cash ISAs on the market today.

The best easy access cash ISAs

Easy access cash ISAs do what they say on the tin, letting you access your savings without penalty.

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Account

AER

Minimum investment

Flexible ISA?

Notes

Plum Cash ISA

4.37%

£1

No

Open online

Teachers BS Single Access Cash ISA for Teachers

4.35%

£100

No

Open online

Harpenden BS Online Single Access ISA

4.31%

£1

No

Open online

The best one-year fixed rate cash ISAs

If you’re happy to lock your cash away without any withdrawals for a year, then you're guaranteed returns of up to 4.27% until your fixed term ends.

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Account

AER

Minimum investment

Notes

Tembo Cash ISA - Fixed Rate

4.27%

£500

Open online

NatWest 1 Year Fixed Rate ISA

4.2%

£1,000

Open online, in person or over the phone

Royal Bank of Scotland 1 Year Fixed Rate ISA

4.2%

£1,000

Open online, in person or over the phone

The best two-year fixed rate cash ISAs

If you have savings you’re happy to lock away for at least two years, you’ll find rates on cash ISAs of up to 4.15%.

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Account

AER

Minimum investment

Notes

Bath BS Two Year Fixed Rate ISA

4.15%

£1

Open online or in person

UBL UK 2 Year Fixed Rate Cash ISA

4.11%

£2,000

Open online, in person, or via post

Cynergy Bank Fixed Rate Cash ISA

4.1%

£500

Open online

The best three-year fixed rate cash ISAs

Swipe to scroll horizontally

Account

AER

Minimum investment

Notes

UBL UK 3 Year Fixed Rate Cash ISA

4.19%

£2,000

Open online, in person or via post

Cynergy Bank Fixed Rate Cash ISA

4.1%

£500

Open online

United Trust Bank Cash ISA 3 Year Bond

4.1%

£5,000

Open online

What you need to know about the best cash ISAs

When choosing a cash ISA, there are two main factors to look out for: how long you are comfortable locking your cash up for and the interest rate.

  • Easy access ISA accounts allow you to withdraw funds without incurring a penalty.
  • Fixed-rate cash ISAs offer a fixed rate of return – usually higher the longer you are prepared to lock your money away. Note: if you withdraw money before the end of the term, then you are likely to be penalised, usually with a reduction in the rate of interest.

Generally speaking, the longer you leave the money untouched, the more interest you can earn. Many ISAs are classed as ‘flexible’, meaning you can replace any funds you withdraw in the same tax year without affecting your annual ISA allowance – which is currently £20,000.

We have an ISA guide to help you learn everything you need to know about how they work, how much you can pay in, what investments you can hold, and how to transfer one.

Oojal Dhanjal
Editorial Content Producer

Oojal has a background in consumer journalism and is interested in helping people make the most of their money.

Oojal has an MA in international journalism from Cardiff University, and before joining MoneyWeek, she worked for Look After My Bills, a personal finance website, where she covered guides on household bills and money-saving deals.

Her bylines can be found on Newsquest, Voice Wales, DIVA and Sony Music, and she has explored subjects ranging from politics and LGBTQIA+ issues to food and entertainment.

Outside of work, Oojal enjoys travelling, going to the movies and learning Spanish with a little green owl.