Compare savings accounts
Find the right savings account for you using the service provided by Experian Ltd
Compare and chooseBy clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.
Best cash Isas 2025
Discover the top easy-access and fixed cash Isa rates and the best Isa providers
Faye was Headline Money Consumer Money Journalist of 2023 and a Wincott Award finalist in 2025. She's been investigating scams for nearly a decade.
In this article
- The best cash Isa rates in November 2025
- Best instant-access cash Isa rates
- Best 1-year fixed-rate cash Isa rates
- Best 2-year fixed-rate cash Isa rates
- Best 3-year fixed-rate cash Isa rates
- Best 4-year fixed-rate cash Isa rates
- Best 5-year fixed-rate cash Isa rates
- The best cash Isa providers
Cash Isa rates have fallen from their recent highs, while stubbornly high inflation threatens the value of our savings pots - but there are still good deals to be found.
More than a third (33.9%) of cash Isas still pay above September's rate of inflation (3.8%). So you should consider transferring your savings if your account isn't working hard enough.
Here, Which? reveals the cash Isas paying the highest interest across instant-access and fixed-rate deals as well as the best cash Isa providers, so you can decide on the right place to keep your money.
If you want to find out more about investment Isas, head to our best stocks and shares Isas guide.
Why you can trust our cash Isa comparison
Real savings customers
We asked 6,008 personal savings account customers about their experiences with 39 different providers.
Expert in-depth analysis
We combine scores for customer satisfaction with our interest rates analysis to find our Which? Recommended Providers.
The best cash Isa rates in November 2025
Our experts regularly scour the market for the best rates so you don't have to. Here's what you can currently get, based on how long you're willing to lock your cash up for.
The top-rate instant-access accounts are based on an investment of £1,000, while for fixed-rate accounts it's £5,000.
Some providers offer a choice of how often interest is paid. Where this applies, we have listed all the options available in the 'Interest paid' column of each table.
The information in this article is for information purposes only and does not constitute advice. Please refer to the terms and conditions of the savings account provider before committing to any financial products. Please note that minimum and maximum deposit amounts vary, even across products with the same rate, so check the full details before you opt for a new account.
| Instant access | Plum | 4.45% | £1 | Mobile app | Monthly |
| One-year fixed rate | Vida Savings | 4.28% | £100 | Internet | Monthly, anniversary |
| Two-year fixed rate | UBL UK | 4.16% | £2,000 | Branch, internet, mobile app, postal | Monthly, anniversary, on maturity |
| Three-year fixed rate | UBL UK | 4.12% | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
| Four-year fixed rate | UBL UK | 4% | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
| Five-year fixed rate | Hampshire Trust Bank | 4.23% | £1 | Internet | Anniversary |
Table notes: rates sourced from Moneyfacts on 27 October 2025. No providers in this table had a sample size large enough for us to generate a Provider customer score.
Best instant-access cash Isa rates
Plum | 4.45% | £1 | Mobile app | Monthly |
Bank of Ireland UK | 4.16% | £100 | Internet | Yearly |
Table notes: rates sourced from Moneyfacts on 27 October 2025 and based on a balance of £1,000. No providers in this table had a sample size large enough for us to generate a Provider customer score.
Best 1-year fixed-rate cash Isa rates
Vida Savings | 4.28% | £100 | Internet | Monthly, anniversary |
Investec Bank plc | 4.27% | £1,000 | Internet | On maturity |
Tembo Money | 4.27% | £500 | Mobile app | On maturity |
Table notes: rates sourced from Moneyfacts on 27 October 2025 and based on a balance of £5,000. No providers in this table had a sample size large enough for us to generate a Provider customer score.
Best 2-year fixed-rate cash Isa rates
UBL UK | 4.16% | £2,000 | Branch, internet, mobile app, postal | Monthly, anniversary, on maturity |
Vida Savings | 4.12% | £100 | Internet | Monthly, anniversary |
Table notes: rates sourced from Moneyfacts on 27 October 2025 and based on a balance of £5,000. No providers in this table had a sample size large enough for us to generate a Provider customer score.
Best 3-year fixed-rate cash Isa rates
UBL UK | 4.12% | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
Secure Trust Bank | 4.11% | £1,000 | Internet | Yearly |
Table notes: rates sourced from Moneyfacts on 27 October 2025 and based on a balance of £5,000. No providers in this table had a sample size large enough for us to generate a Provider customer score.
Best 4-year fixed-rate cash Isa rates
UBL UK | 4% | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
United Trust Bank | 3.9% | £5,000 | Internet | Anniversary |
Table notes: rates sourced from Moneyfacts on 27 October 2025 and based on a balance of £5,000. No providers in this table had a sample size large enough for us to generate a Provider customer score.
Best 5-year fixed-rate cash Isa rates
Hampshire Trust Bank | 4.23% | £1 | Internet | Anniversary |
UBL UK | 4.22% | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
Table notes: rates sourced from Moneyfacts on 27 October 2025 and based on a balance of £5,000. No providers in the table had a sample size large enough for us to generate a Provider customer score.
The best cash Isa providers
We know that customer service is an important factor for many people when choosing an Isa. But how do you find a provider that combines great rates with top-notch customer service?
We've asked thousands of savers to rate their bank or building society, enabling us to create unique customer scores for all the major providers.
We've also analysed thousands of savings products and given each provider an overall interest rate score, highlighting which companies offer consistently competitive rates. The full results from our most recent analysis (which covers both Isas and savings accounts) are as follows:
RECOMMENDED PROVIDER Charter Savings Bank (80) | 82% | 90% | n/a | n/a | n/a | |||
Bank of Ireland UK (58) | 81% | 69% | ||||||
AA (73) | 78% | 74% | n/a | n/a | n/a | |||
Starling Bank (74) | 78% | - | n/a | n/a | ||||
Coventry Building Society (159) | 77% | 72% | ||||||
RECOMMENDED PROVIDER Leeds Building Society (63) | 77% | 87% | n/a | n/a | n/a | n/a | ||
Nationwide Building Society (949) | 77% | 70% | n/a |
Table last updated November 2025. Next update November 2026. The results are based on an online survey of 6,008 members of the public conducted in September 2025. The customer score is based on satisfaction with the brand and likelihood to recommend. Sample sizes in brackets. ‘n/a’ means not enough responses to include a star rating. The interest rate score is based on analysis of Moneyfacts data collected weekly, between 6 June 2025 and 22 August 2025. An interest rate score of 100 represents the market-leading rate. We only generated an interest rate score for providers that offer accounts without opening restrictions. '-' means we weren't able to generate an interest rate score.
Which? Recommended Providers for cash Isas
Each year, our analysis allows us to name Which? Recommended Providers (WRPs) for savings. To qualify for a WRP the bank or building society must:
- Achieve a customer score of 70% or above - we calculate this by combining a brand's satisfaction scores with how likely customers are to recommend the brand.
- Achieve an interest rate score of 80% or above - we calculate this by seeing how far its rates differed from the best rates on the market over 12 weeks.
- Earn a minimum of three stars across star rating categories - such as online banking, communications and customer service.
- Be fully covered by the UK Financial Services Compensation Scheme (FSCS).
- Not have significant barriers to opening an account, for example, high minimum deposit rules or opening restrictions.
- Offer products which are available nationally and are not tied to the purchase of another product with the same provider.
This year, our WRPs (in customer score order) are:
Recommended Provider
Charter Savings Bank
Charter Savings Bank received the highest overall customer score in our survey, as well as five stars for customer service and online banking. Founded in 2015, it does not have a presence on the high street but operates its accounts online.
The bank also received one of the best interest rate scores (90% vs an average of 76%) in our analysis, meaning it consistently offered near market-leading rates.
One happy customer told us: 'It has consistently offered one of the best rates on the market over the last few years, and is still above most high street banks. The online banking is excellent and the service is always available with no problems.'
82%
1
out of 39 providers with a customer score
Recommended Provider
Leeds Building Society
Leeds Building Society achieved an above-average customer score, and savers gave it the full five stars for customer service.
It also did well in our interest rate analysis with a score of 87% (the average for all providers in the analysis was 76%), meaning it consistently offered competitive rates.
Leeds Building Society has a branch network which customers valued. One customer said: 'Find them very easy to deal with and the branch staff are helpful.'
77%
5
out of 39 providers with a customer score
Recommended Provider
Marcus by Goldman Sachs
Online and app-based bank Marcus by Goldman Sachs achieved an above-average customer score, with savers giving it five stars for online banking as well as overall customer service.
It also did well in our interest rates analysis with a score of 83% (vs an average of 76% for all providers in our review).
One customer commented: 'App is easy to navigate, online banking and customer service is excellent.'
75%
11
out of 39 providers with a customer score
Recommended Provider
Aldermore
Aldermore got an above-average customer score. Savers rated it four stars for customer service and communication, and five stars for online banking.
It also excelled in our interest rates analysis, with a score of 85% - the average was 76% for all the providers in our analysis. This means it offered competitive rates over the 12 weeks we checked.
One customer said: '[Aldermore] had the best rate at the time of application. Contacted me when the rate was due to expire with my options. Gave me lots of time to consider.'
74%
12=
out of 39 providers with a customer score (joint 12th)
Recommended Provider
Kent Reliance
This national bank (with a small network of Kent-based branches) achieved an above-average customer score (74% vs 70%), putting it in joint 12th place.
It also did the best of the WRPs during our interest rates analysis with a score of 93% (vs an average of 76% for all the providers we compared). This means it consistently offered near market-leading rates.
One customer said: 'Good rates, wide range of account options, easy to use website.'
74%
12=
out of 39 providers with a customer score (joint 12th)
Recommended Provider
Skipton Building Society
Skipton Building Society also got a decent customer score with five stars for customer service and four stars for its online banking experience and communications.
It also excelled in our interest rates analysis with a score of 82% (vs 76% for all providers in our research). This means it consistently offered competitive rates on its accounts during our analysis.
One customer summed it up: 'Enquiries are answered promptly. Rates are competitive.'
74%
12=
out of 39 providers with a customer score (joint 12th)
Recommended Provider
Zopa
Zopa is a WRP for the fourth time. It got four stars for customer service, application process, communication and mobile banking, and five stars for its online banking service.
It also did well in our interest rate analysis, with a score of 80%, just above the average of 76%. This means it offered consistently good savings rates during our analysis.
Customers praised how simple Zopa's app was to use, and many noted it had 'excellent interest rates'.
74%
12=
out of 39 providers with a customer score (joint 12th)
Recommended Provider
Yorkshire Building Society
Yorkshire Building Society is a WRP again in 2025. It earned an above-average customer score in our latest survey, and we found it consistently offered competitive rates during our interest-rate analysis, with a score of 84% (vs an average of 76% compared to all providers in the research).
Savers gave it five stars for overall customer service and four stars for its branch service, online banking and contact with customer services.
Customers especially valued that the building society has a network of branches. One respondent said: 'The staff are kind and patient when dealing with customers.' While another commented: 'They have a branch where I can speak to real people face to face instead of a chatbot.'
73%
17=
out of 39 providers with a customer score (joint 17th)
The top cash Isa rates on offer from WRPs
The eight WRPs we've picked for savings combine customer satisfaction with competitive interest rates.
Here are the top cash Isas accounts from our WRPs at the moment (ordered by highest interest rate):
Charter Savings Bank | 2 Year Fixed Rate Cash ISA | 3.75% | £5,000 | Branch, internet, mobile app | Yearly |
Leeds Building Society | Online Access Cash ISA | 4.12% | £1,000 | Internet | Monthly, anniversary |
Marcus by Goldman Sachs | Cash ISA | 3.75% | £1 | Branch, internet, mobile app, postal | Monthly, anniversary, on maturity |
Aldermore | Reward ISA Single Access Account Issue 6 | 4.05% | £100 | Branch, internet, mobile app | Yearly |
Kent Reliance | One year fixed rate cash ISA - Issue 127 | 3.75% | £1,000 | Internet | Monthly, anniversary |
Skipton Building Society | 15 Month Fixed Rate Cash ISA | 4.02% | £5,000 | Branch, internet, mobile app, postal | Monthly, anniversary, on maturity |
Zopa | Smart ISA - 1 Year Fixed Term ISA pot (a) | 4.14% | £1 | Branch, internet, mobile app | Yearly |
Source: Moneyfacts data. Rates correct as of 31 October 2025 (a) you'll first need to open a Zopa Smart ISA and within this you can spread your allowance across different savings pots.
Make your money work harder
Get the best deals, avoid scams, and grow your savings with expert guidance. £4.99 a month or £49 a year, cancel any time.
Join Which? MoneyCan any cash Isas beat inflation?
Inflation held steady at 3.8% in September 2025, the same rate as in August and July, according to the Office for National Statistics (ONS). This follows a previous increase from 3.6% in June.
When we checked on 27 October 2025, we found 223 cash Isas (33.9% of the market) offering an above-inflation interest rate.
You might also want to consider investing in a stocks and shares Isa, which could – though isn't guaranteed to – earn you more interest than a cash Isa.
- Find out more: which savings accounts beat inflation?
Cash Isas vs stocks and shares Isas
Stocks and shares Isas are similar to cash Isas in that proceeds are tax-free, and your £20,000 annual Isa allowance is split between the two.
The key difference between them is that stocks and shares Isas hold investments, so your money is at risk – but also has greater potential to grow. Investing is usually recommended if you’re saving for more than five years, to ensure your money isn’t devalued away by inflation, and your investments will have time to recover from market dips.
Stocks and shares Isas are offered by investment platforms (where you pick what goes in them) and financial advisers. Some, but not all, charge ongoing or per-transaction fees.
You can open and pay into an unlimited number of cash Isas and stocks and shares Isas each year.
- Find out more: best stocks and shares Isas
How to transfer your Isa
If you're transferring your money from one Isa to another, there's only one way to do it: fill in a transfer form with your new Isa provider.
Many providers allow you to do this online. Once you've sent off the form, your new provider will get in touch with your old provider to make the arrangements.
The transfer process should be completed within 15 working days.
Once you've switched Isas, don't rest on your laurels. If the new account has an introductory bonus, make a note of when it ends, as you may want to switch again at that point to make sure you're still getting a good deal.
If it's a variable-rate account, keep an eye on your rate to make sure it stays competitive.
- Find out more: cash Isa rules and allowances
Find the right savings account for you using the service provided by Experian Ltd. Compare and choose accounts