Martin Lewis's Money Saving Expert has named the best Cash ISA rates, with the top easy access accounts paying up to 4.8%. The list highlights four highest-paying accounts overall and four top rates from well-known brands, showing that the best returns often come from less popular providers.
Top-paying easy access Cash ISAs
According to Money Saving Expert, the highest-paying easy access Cash ISA accounts are:
- Trading 212 (newbies only): market-leading 4.8%, made up of a 3.6% variable rate and a 1-year 1.2% bonus. Flexible ISA, interest paid monthly.
- Chip (newbies only): 4.79%, including 3.5% variable and a 12-month 1.29% bonus. Interest paid monthly on this flexible ISA.
- Moneybox (newbies only): 4.53%, comprising 3.45% variable and a 1-year 1.08% bonus. Rate falls to 0.75% after 3 withdrawals per year. Interest paid monthly.
- Charter Savings Account: 4.26%, with interest paid monthly.
Best rates from big-name brands
For savers who prefer familiar names, the top-paying big-name easy access accounts are:
- Bank of Ireland UK: 4.3%, made up of a 0.9% variable rate and a 1-year 3.4% bonus. Interest paid annually, not flexible.
- Post Office: 4.25%, including a 0.9% variable rate and a 1-year 3.35% bonus. Interest paid annually, not flexible.
- Tesco Bank: 4.2%, with a 1.05% variable rate and a 1-year 3.15% bonus. Flexible, interest paid annually.
- Leeds Building Society: 4.16% variable rate for a year, interest paid annually. Not flexible.
Warning over low-paying accounts
Recent data uncovered the stark number of accounts where savers earn little or no interest at all, with some missing out on hundreds every year by keeping funds in low-paying accounts. The Cash ISA allowance for savers under 65 drops from £20,000 to £12,000 from April 2027, leaving most savers just a few months to use their current limit before it falls.
