The best cash ISAs – June 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

Young plants grow on the coins savings cash ISAs concept
(Image credit: Getty Images)

The best cash ISAs are currently returning inflation-busting rates of up to 4.98%, 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. But with the Bank of England holding interest rates at 4.25%, savings rates could soon drop.

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

The best cash ISAs: easy access

Swipe to scroll horizontally

Account

AER

Minimum investment

Flexible ISA?

Notes

Plum Cash ISA

4.98%

£1 (4.98% rate paid at £100)

No

Open online

Moneybox Cash ISA

4.65%

£500

No

Open online

Tembo Cash ISA

4.64%

£10

No

Open online

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Swipe to scroll horizontally

Account

AER

Minimum investment

Notes

Vanquis Bank 1 Year Fixed Rate Cash ISA

4.36%

£1,000

Open online

Close Brothers Savings 1 Year Fixed Rate Cash ISA

4.32%

£10,000

Open online or over the phone

Cynergy Bank Fixed Rate Cash ISA

4.32%

£500

Open online

Swipe to scroll horizontally

Account

AER

Minimum investment

Notes

Marsden BS Fixed Rate Cash ISA 

4.3%

£5,000

Open online

Vanquis Bank 2 Year Fixed Rate Cash ISA

4.26%

£1,000

Open online

United Trust Bank Cash ISA 2 Year Bond

4.25%

£5,000

Open online

Swipe to scroll horizontally

Account

AER

Minimum investment

Notes

Close Brothers Savings 3 Year Fixed Rate Cash ISA

4.23%

£10,000

Open online

UBL UK 3 Year Fixed Rate Cash ISA

4.22%

£2,000

Open online, in person or via post

Aldermore 3 Year Fixed Rate Cash ISA

4.05%

£1,000

Open online

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.