Best Cash ISAs in 2025
Compare the top ISA providers in the UK. Updated regularly with new rates.
Compare ProvidersTop Cash ISA Rates: 2025 Update
Rates change frequently. These are example top market rates. Always check the provider's website for the latest information.
Last updated: December 2025
| Provider | ISA Type | Typical Rate Range | FSCS Protected | |
|---|---|---|---|---|
 Chase Bank | Easy Access | ~4.1% – 4.4% AER | Yes | Open Account |
 Virgin Money | 1–3 Year Fixed | ~4.1% – 4.3% AER | Yes | Open Account |
 Santander | Easy Access / Flexible | ~4.1% – 4.4% AER | Yes | Open Account |
 Barclays | Fixed 1–5 Years | ~4.1% – 4.3% AER | Yes | Open Account |
 Nationwide | Flexible / Easy Access | ~4.1% – 4.3% AER | Yes | Open Account |
These ranges are example figures based on late 2025 market conditions; actual rates change often.
Which ISA Should You Choose?
Find the Right ISA for Your Savings Goals
"I want flexibility"
Easy Access ISA
Perfect if you want to withdraw money anytime.
Best Options:
- • Chase Easy Access
- • Santander Easy Access
- • Nationwide Easy Access
Why it's good:
- Withdraw anytime
- No penalties
- Great for emergency savings
"I want the highest interest"
Fixed Rate ISA
Best for long-term savers who won't need the money.
Best Options:
- • Virgin Money Fixed 1–3 Years
- • Barclays Fixed ISAs
- • Nationwide Fixed Options
Why it's good:
- Highest rates (for locking money)
- Guaranteed growth
- Stable returns
"My income varies"
Flexible ISA
Flexible ISAs allow withdrawals and redeposits in the same tax year without using extra allowance.
Best Options:
- • Santander Flexible ISA
- • Nationwide Flexible ISA
Why it's good:
- Ideal for inconsistent income
- Perfect hybrid option
- Protects your allowance
Provider Breakdowns
Chase Bank
Easy Access
Typical Rate Range
~4.1% – 4.4% AER
Updated: December 2025
Why We Like It:
- Great app
- Simple interface
- Strong Easy Access rates
Best For:
Beginners & flexible savers
Virgin Money
1–3 Year Fixed
Typical Rate Range
~4.1% – 4.3% AER
Updated: December 2025
Why We Like It:
- Competitive fixed rates
- Good long-term options
- Trusted UK high-street provider
Best For:
Long-term savers
Santander
Easy Access / Flexible
Typical Rate Range
~4.1% – 4.4% AER
Updated: December 2025
Why We Like It:
- Withdraw & redeposit on flexible ISAs (within the same tax year)
- Strong mobile banking
- Transparent terms
Best For:
Variable income savers
Barclays
Fixed 1–5 Years
Typical Rate Range
~4.1% – 4.3% AER
Updated: December 2025
Why We Like It:
- Good customer support
- Wide range of fixed terms
- Stable, reliable fixed rates
Best For:
Security-focused savers
Nationwide
Flexible / Easy Access
Typical Rate Range
~4.1% – 4.3% AER
Updated: December 2025
Why We Like It:
- Flexible withdrawals (on flexible ISAs)
- Trusted building society
- Good for variable incomes
Best For:
Emergency fund savers
How to Choose the Best ISA
Look for:
- • Competitive interest rate (around 4.1%–4.5% for leading easy-access, ~4.1%–4.3% for leading fixed ISAs in late 2025)
- • FSCS protection (currently £85,000 per person, per bank, rising to £120,000 from 1 December 2025)
- • Mobile app quality
- • Easy transfers
- • Transparent terms
Avoid:
- • Rate drops after 12 months (introductory bonuses without noticing them)
- • Providers without FSCS protection
- • Hidden early withdrawal penalties
How to Switch ISAs Safely
This is the #1 ISA mistake most people make.
Never withdraw money to switch banks.
Use the ISA Transfer Form instead:
- 1 Open your new ISA
- 2 Request an "Existing ISA Transfer"
- 3 The bank handles it for you
- 4 Your tax-free status stays safe and the transfer does not use up your £20,000 allowance
Frequently Asked Questions
What is the best Cash ISA rate right now?
Top easy-access Cash ISA rates currently sit around 4.1% to 4.5%, with many 1-3 year fixed Cash ISAs around 4.1% to 4.3%, depending on the provider and term. Rates change quickly; always check the latest before applying.
Can I open more than one Cash ISA per year?
Yes. You can now open and pay into multiple Cash ISAs in the same tax year, as long as your total ISA subscriptions stay within the £20,000 annual allowance. (You are still limited to one Lifetime ISA per tax year.)
Are Cash ISAs safe?
Yes; savings held with UK banks and building societies that are authorised by the Financial Conduct Authority (FCA) are covered by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per bank; rising to £120,000 from 1 December 2025.
Is a Cash ISA worth it in 2025?
Yes; interest in a Cash ISA is 100% tax-free, and it does not count towards or affect your Personal Savings Allowance. You don't need to report Cash ISA interest to HMRC, and withdrawals are tax-free.
Ready to Open Your Cash ISA?
Compare providers and choose the best account for your savings goals.
This page is for educational purposes only and does not constitute financial advice. Always check provider terms and current interest rates before opening an account, and confirm the latest ISA rules for the 2025/26 tax year.