Most of the movement in the ISA charts this week comes in the form of fixed rate bonds, with Metro Bank boasting the leading rate for that market and easy access accounts too.
Last week, the provider jumped ahead of the pack with a 5.11% AER easy access deal, which no rival has been able to beat.
At a time when household deposits hit their highest amount since November 2022, picking the correct account in which to store your savings could add thousands.
Using data from Moneyfacts, here are the market-leading ISA accounts this week.
Easy access accounts
Metro Bank is the top easy access rate this week for the second week running.
Its Instant Access Cash ISA deal is priced at 5.11% AER and includes a bonus of 3.46% for 12 months, this comes once a minimum account balance of £500 is reached during the first 28 days. The account comes with no restrictions on withdrawals but needs to be opened in a branch.
Moneybox comes in second place with a Moneybox Cash ISA deal of 5.09% AER at £500, with a 0.84% bonus for 12 months. If more than three withdrawals are made in a 12-month period a lower rate of 0.75% will be applied.
Zopa’s Smart ISA – Access ISA deal has 5.08% AER and interest is paid monthly. On top of that, only £1 is needed to open the account, which needs to be done using the bank’s mobile app, where the account is also managed. There are no withdrawal restrictions, but potential customers need to have an open Smart Saver account via the Smart Savings Hub.
Fixed-rate bonds
As well as leading the way for easy access accounts, Metro Bank bags the best-fixed rate bond this week for a 5.71% AER on the 1-Year Fixed Rate Cash ISA. There is no deposit needed to open the account but further transfers are permitted for 30 days from the account opening, and early access is allowed on closure subject to 180 days’ loss of interest. This account needs to be set up in the branch but can be managed online or on the phone too.
For two-year fixes, Hinckley & Rugby and Melton Building Societies share the second-best rates, offering 5.30% AER. Hinckley & Rugby has a 30-Month Fixed Rate Cash ISA – Issue 5 that pays the rate at £500 while more additions are not allowed and internal transfers deposited through Cash ISAs are only permitted on account opening.
Melton’s equal price on its Fixed Rate Cash ISA to 21 January 2026 requires a trip to the branch and a minimum deposit of £1,000 to begin saving, but the account can be managed by post after. Early access is only allowed on closure and comes with 150 days’ loss of interest.
The mutual also tops the five-year market Fixed Rate Cash ISA to 17 January 2029, with a price of 5.00% AER. Savers need to open an account in a branch with a £1,000 deposit, and just like the two-year option, future transactions can be done by post. There are 180 days’ loss of interest for early access.
For three-year fixed bonds, Nottingham Building Society beats the rest with a Fixed Rate ISA Issue 157 that offers 4.90% AER on £500. Early access is permitted on transfers and comes with a 180-day loss of interest.
Notice ISA accounts
As has been the case for months, Aldermore and West Brom are the market leaders for notice ISA accounts.
Aldermore’s 30-Day Notice Cash ISA Issue 12’s 4.50% AER deal requires a minimum deposit of £1,000 and needs to be opened and managed online. Early access is allowed but is subject to 30 days’ loss of interest.
The WeBSave 60-Day Notice ISA BS offers 5.25% AER on either a monthly or yearly basis and can be opened with just £1. Much like Aldermore, early access comes with a loss of interest worth 60 days.
