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This Is Money updated its cash ISA tables on October 2, 2026, ranking easy-access and fixed-rate accounts by their listed tax-free rates. The tables show easy-access rates up to 4.60% and fixed deals reaching 5.25% for five years, but rates and account terms can change.
This Is Money updated its cash ISA savings tables at 15:15 BST on October 2, 2026, listing current easy-access and fixed-rate deals from banks and building societies. The tables rank accounts by their stated tax-free interest rates; the highest listed easy-access rate was 4.60%, while a five-year fixed account offered 5.25%.
The easy-access table was led by Trading 212 at 4.60%, with a £1 minimum deposit and a 1% bonus for 12 months. Chip and Moneybox each listed 4.56%, with introductory bonuses of 1.06% and 1.11% respectively for 12 months. Plum listed 4.55%, including a 2.01% bonus for a year, and Hargreaves Lansdown listed 4.52%. These are the rates and account details published in the table; providers can change offers.
Access conditions vary. Some accounts cap the number of withdrawals or reduce the rate after a set number: Vanquis Bank’s Triple Access Isa 9 and Principality Building Society’s Online Bonus Triple Access Cash Isa, for example, list three withdrawals. Tipton Building Society’s Isa Reward Saver 2 lists four, while other deals allow fewer or impose different conditions. Minimum deposits also range from £1 to £10,000 among the accounts shown.
For fixed-rate accounts, the highest listed one-year rate was 4.94% from Shawbrook Bank, requiring £1,000. The two-year table was topped by Shawbrook at 5.06%, while Close Brothers listed 5.11% for three years. Shawbrook’s five-year deal led that term at 5.25%, with a £1,000 minimum. The page also lists an 18-month section, including Aldermore’s 15-month account at 4.85% and Skipton Building Society at 4.76%.
Rates Depend on Access and Term
The tables let savers compare different account types and terms in one place, but the headline rate is only one part of the decision. An easy-access account may suit someone who needs to withdraw money, while a fixed-rate Isa commits savings for a defined period and may restrict access. A higher rate may also come with a larger minimum deposit or withdrawal limits.
Bonus rates need particular attention. Several easy-access offers include a bonus that lasts for 12 months, so the rate after that period may be different. The published figures do not, by themselves, show what every saver would earn over a longer period. Checking the provider’s current terms can help avoid relying on a temporary rate or overlooking account restrictions.
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How the ISA Tables Are Compiled
The report says its tables are compiled by This Is Money and savings expert Sylvia Morris, and that listed accounts are ordered by rate. It states that banks and building societies cannot pay to appear or improve their position. The page also discloses that This Is Money may earn an affiliate commission when readers open accounts through links marked with an asterisk, while saying this does not affect placement or editorial independence.
The table is a dated snapshot rather than a guarantee that a rate remains available. Its notes say rates may change without providers notifying the publisher and advise readers to check account details before applying. That caveat applies to both the listed rates and the accompanying eligibility, bonus, minimum-deposit and withdrawal conditions.
““Rates may change without banks notifying us. Always check details before applying.””
— This Is Money
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Rates and Terms May Change
The figures are reported as of October 2, 2026, but the source says providers can alter rates without notifying This Is Money. It is not clear from the snapshot how long each deal will remain open, whether all listed products are accepting new customers, or what rates will apply after introductory bonuses end. The table also does not establish which account is best for an individual saver, whose access needs and eligibility may differ.
Some figures and terms require checking directly with the provider before applying. In particular, savers should confirm the current rate, bonus duration, minimum balance, withdrawal rules, account term and any limits on transferring existing ISA savings.
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Check Offers Before Applying
The next step for savers is to compare the relevant table with each provider’s live product information. Before opening an account, verify that the rate is still available and review the full terms, including bonus expiry, access restrictions and minimum investment. For fixed deals, check the maturity date and what happens when the term ends.
This Is Money says its tables are updated as new deals arrive. The rankings may change when providers adjust rates or introduce accounts, but the report gives no timetable for a further update. The published October 2 rates should therefore be treated as a snapshot, not a promise of the rate available later.
high interest tax-free savings account
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Key Questions
What was the highest easy-access cash ISA rate listed?
Trading 212 was listed at 4.60%, with a £1 minimum and a 1% bonus for 12 months. The rate was recorded in the October 2, 2026 table and may have changed since.
Which fixed cash ISA had the highest rate in the table?
The highest rate shown was Shawbrook Bank’s five-year account at 5.25%, with a £1,000 minimum investment. Fixed accounts tie up savings for a set term, so check access and maturity conditions before applying.
Are the listed cash ISA rates guaranteed to stay available?
No. This Is Money says rates may change without providers notifying it. The tables are a snapshot, so check the provider’s current offer and full terms.
What should I check beyond the interest rate?
Check the minimum deposit, bonus period, withdrawal limits and any restrictions on access. For fixed-rate accounts, also review the term and what happens when it ends.
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