Saving & Banking

If you're a UK taxpayer then an ISA should be the first port of call for your savings. Moneywise reviews the best cash ISAs on the market.

Editor's Picks

Savings
Cash ISAs
Banking

Newcastle Building Society Newcastle Big Home Saver	3.00% AER (Easy access)	Min deposit: £1 Max deposit: unlimited Max balance: £1,000,000	Full details
Ulster Bank (NI) Private Reserve Ex/C	2.31% AER (Easy access)	Min deposit: £10,000 Max deposit: unlimited Max balance: unlimited	Full details
Stafford Railway Pullman Monthly	1.80% AER (Easy access)	Min deposit: £25,000 Max deposit: unlimited Max balance: £500,000	Full details
National Savings & Investments Income Bond	1.76% AER (Easy access)	Min deposit: £500 Max deposit: unlimited Max balance: £1,000,000	Full details
Compare Savings data provided by Defaqto

Church House Trust Somerset Saver Account	2.85% AER (Notice account)	Min deposit: £1 Max deposit: unlimited Max balance: unlimited	Full details
Church House Trust Harvest Gold Account	2.75% AER (Notice account)	Min deposit: £1 Max deposit: unlimited Max balance: unlimited	Full details
Cumberland First Home Saver (Issue 2) Ex/C	2.50% AER (Notice account)	Min deposit: £100 Max deposit: unlimited Max balance: unlimited	Full details
Church House Trust 90 Day Notice Account	2.50% AER (Notice account)	Min deposit: £1 Max deposit: unlimited Max balance: unlimited	Full details
Compare Savings data provided by Defaqto

FirstSave 1 Year Loyalty Bond Issue L Ex/C Monthly	2.15% AER (fixed for 12 months)	Min deposit: £1,000 Max deposit: unlimited Max balance: £2,000,000	Full details
Bank of Cyprus Loyalty UK 1 Year Bond Ex/C Monthly	2.02% AER (fixed for 12 months)	Min deposit: £50,000 Max deposit: unlimited Max balance: £1,000,000	Full details
Principality Building Society 1 Year Fixed Rate Bond Issue 225 Monthly	2.00% AER (fixed for 12 months)	Min deposit: £500 Max deposit: unlimited Max balance: £2,000,000	Full details
State Bank of India 1 Year Hi Return Fixed Deposit Monthly	2.00% AER (fixed for 12 months)	Min deposit: £50,000 Max deposit: unlimited Max balance: £5,000,000	Full details
Compare Savings data provided by Defaqto

FirstSave 2 Year Loyalty Bond Issue M Ex/C Monthly	2.60% AER (fixed for 24 months)	Min deposit: £1,000 Max deposit: unlimited Max balance: £2,000,000	Full details
Saga 3 Year Fixed Rate Savings Account Monthly	2.55% AER (fixed for 36 months)	Min deposit: £1 Max deposit: unlimited Max balance: £10,000,000	Full details
Vanquis Bank Ltd 3 Year High Yield Bond Monthly	2.51% AER (fixed for 36 months)	Min deposit: £1,000 Max deposit: unlimited Max balance: £250,000	Full details
State Bank of India 3 Year Hi Return Fixed Deposit Monthly	2.50% AER (fixed for 36 months)	Min deposit: £50,000 Max deposit: unlimited Max balance: £5,000,000	Full details
Compare Savings data provided by Defaqto

FirstSave 5 Year Fixed Rate Bond 2nd Issue Monthly	2.90% AER (fixed for 60 months)	Min deposit: £5,000 Max deposit: unlimited Max balance: £2,000,000	Full details
BM Savings 5 Year Fixed Rate Bond Monthly	2.60% AER (fixed for 60 months)	Min deposit: £1 Max deposit: unlimited Max balance: £10,000,000	Full details
Vanquis Bank Ltd 5 Year High Yield Bond Monthly	2.56% AER (fixed for 60 months)	Min deposit: £1,000 Max deposit: unlimited Max balance: £250,000	Full details
Clydesdale Bank 5 Year Term Deposit Ex/C Monthly	2.50% AER (fixed for 60 months)	Min deposit: £2,000 Max deposit: unlimited Max balance: £5,000,000	Full details
Compare Savings data provided by Defaqto

The Bank of East Asia Cash ISA	3.00% AER (Easy access)	Min deposit: £10 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Stafford Railway Junior Cash ISA	3.00% AER (Easy access)	Min deposit: £1 Max deposit: £3,720 Max balance: £10,920 Transfers in allowed	Full details
First Direct Cash ISA Ex/C	3.00% AER (Easy access)	Min deposit: £1 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Vernon Regular Saver ISA	3.00% AER (Easy access)	Min deposit: £25 Max deposit: £5,760 Max balance: unlimited	Full details
Compare Cash Isas data provided by Defaqto

City of Derry Building Society Cash ISA	2.75% AER (Notice account)	Min deposit: £1,000 Max deposit: £5,760 Max balance: £200,000	Full details
Yorkshire Bank Cash ISA 40 Day Notice	2.50% AER (Notice account)	Min deposit: £500 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Clydesdale Bank Cash ISA 40 Day Notice	2.50% AER (Notice account)	Min deposit: £500 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Church House Trust Cash ISA	2.35% AER (Notice account)	Min deposit: £25 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Compare Cash Isas data provided by Defaqto

Britannia Fxd Rate ISA to 06/04/2014 (Current A/c)	2.35% AER (fixed for 12 months )	Min deposit: £5,760 Max deposit: £5,760 Max balance: £1,000,000 Transfers in allowed	Full details
Metro Bank 1 Year Fixed Rate Cash ISA Ex/C	2.25% AER (fixed for 12 months )	Min deposit: £1 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Bank of Cyprus Loyalty 1 Year Fixed Rate ISA Ex/C	2.20% AER (fixed for 12 months )	Min deposit: £500 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Virgin Money Virgin Fixed Rate e-ISA Issue 40	2.20% AER (fixed for 12 months )	Min deposit: £1 Max deposit: £5,760 Max balance: £2,000,000 Transfers in allowed	Full details
Compare Cash Isas data provided by Defaqto

Britannia Fxd Rate ISA to 05/04/2015 (Current A/c)	2.60% AER (fixed for 24 months )	Min deposit: £5,760 Max deposit: £5,760 Max balance: £1,000,000 Transfers in allowed	Full details
Coventry Building Society Fixed Rate ISA to 31/05/2015	2.55% AER (fixed for 24 months )	Min deposit: £5,760 Max deposit: £5,760 Max balance: £5,760 Transfers in allowed	Full details
Santander 2 Year Fixed Rate ISA (123) Ex/C	2.50% AER (fixed for 24 months )	Min deposit: £500 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Punjab National Bank (International) Ltd 3 Year - < 4 Year Fxd Rate ISA	2.40% AER (fixed for 36 months )	Min deposit: £1,000 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Compare Cash Isas data provided by Defaqto

Virgin Money Virgin Fixed Rate e-ISA Issue 42	3.00% AER (fixed for 60 months )	Min deposit: £1 Max deposit: £5,760 Max balance: £2,000,000 Transfers in allowed	Full details
Virgin Money Virgin Fixed Rate Cash ISA Issue 43	3.00% AER (fixed for 60 months )	Min deposit: £1 Max deposit: £5,760 Max balance: £2,000,000 Transfers in allowed	Full details
Principality Building Society 5 Year Fixed Rate Cash ISA Issue 109	2.75% AER (fixed for 60 months )	Min deposit: £500 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Punjab National Bank (International) Ltd 5 Year Fixed Rate ISA	2.70% AER (fixed for 60 months )	Min deposit: £1,000 Max deposit: £5,760 Max balance: unlimited Transfers in allowed	Full details
Compare Cash Isas data provided by Defaqto

First Direct 1st Account	Interest on balances Interest free overdraft: £250 Min monhtly credit: £250 Monthly charge: £0	Customer rating: 9.6 Call centre service: 9.7	Full details Go to site
Generous joining incentive. A very customer-focused proposition with real people taking calls.
Nationwide Building Society FlexDirect => £1,000 per month	Interest on balances: 5.00% AER Interest free overdraft Min monhtly credit: £0 Monthly charge: £0	Customer rating: 9.3 Call centre service: 8.4	Full details Go to site
Pays enhanced interest on balances and offers fee-free overdraft in first year. Branch use permitted in emergencies.
Nationwide Building Society FlexPlus	Interest on balances: 3.00% AER Interest free overdraft: £100 Min monhtly credit: £100 Monthly charge: £10	Customer rating: 9.3 Call centre service: 8.4	Full details Go to site
Monthly fee gets you interest on balances. Travel, mobile and breakdown insurance. Commission free withdrawals.
Compare Current Accounts data provided by Defaqto

Nationwide Building Society FlexDirect => £1,000 per month	Interest on balances: 5.00% AER Interest free overdraft Min monhtly credit: £0 Monthly charge: £0	Customer rating: 9.3 Call centre service: 8.4	Full details Go to site
Pays enhanced interest on balances and offers fee-free overdraft in first year. Branch use permitted in emergencies.
Lloyds TSB Private Banking Private Banking Premier Plus Current Account	Interest on balances: 4.00% AER Interest free overdraft: £600 Min monhtly credit: £600 Monthly charge: £25	Not enough customer votes	Full details
Lloyds TSB Vantage Classic Account	Interest on balances: 3.00% AER Interest free overdraft: £25 Min monhtly credit: £25 Monthly charge: £0	Customer rating: 8.3 Call centre service: 7.4	Full details
Compare Current Accounts data provided by Defaqto

Danske Bank Danske Freedom (Young Persons Account)	Interest on balances Interest free overdraft: £3,000 Min monhtly credit: £3,000 Monthly charge: £0	Not enough customer votes	Full details
Barclays Premier Current Account (£10 & Premier Tech)	Interest on balances Interest free overdraft: £1,000 Min monhtly credit: £1,000 Monthly charge: £18	Customer rating: 8.3 Call centre service: 7.0	Full details
Barclays Premier Current Account	Interest on balances Interest free overdraft: £1,000 Min monhtly credit: £1,000 Monthly charge: £0	Customer rating: 8.3 Call centre service: 7.0	Full details
Compare Current Accounts data provided by Defaqto

Smile Current Account	Interest on balances Interest free overdraft Min monhtly credit: £0 Monthly charge: £0	Customer rating: 9.7 Call centre service: 9.2	Full details
First Direct 1st Account	Interest on balances Interest free overdraft: £250 Min monhtly credit: £250 Monthly charge: £0	Customer rating: 9.6 Call centre service: 9.7	Full details Go to site
Generous joining incentive. A very customer-focused proposition with real people taking calls.
Coventry Building Society Coventry First	Interest on balances: 1.10% AER Interest free overdraft: £250 Min monhtly credit: £250 Monthly charge: £0	Customer rating: 9.5 Call centre service: 9.3	Full details
Pays enhanced interest for first year plus interest free overdraft. Call centre UK-based.
Compare Current Accounts data provided by Defaqto

First Direct 1st Account	Interest on balances Interest free overdraft: £250 Min monhtly credit: £250 Monthly charge: £0	Customer rating: 9.6 Call centre service: 9.7	Full details Go to site
Generous joining incentive. A very customer-focused proposition with real people taking calls.
Coventry Building Society Coventry First	Interest on balances: 1.10% AER Interest free overdraft: £250 Min monhtly credit: £250 Monthly charge: £0	Customer rating: 9.5 Call centre service: 9.3	Full details
Pays enhanced interest for first year plus interest free overdraft. Call centre UK-based.
Smile Current Account	Interest on balances Interest free overdraft Min monhtly credit: £0 Monthly charge: £0	Customer rating: 9.7 Call centre service: 9.2	Full details
Compare Current Accounts data provided by Defaqto

Savings and Cash ISAs
This week's best savings rates

Whether it's for a rainy day or for a one-off big purchase, it's crucial to make your savings work hard for you. Moneywise reveals the best accounts on the market.
This week's best cash ISA rates

Savers are being thrown to the wolves

Easy ways to boost your savings
Current accounts
Moneywise reviews the best and worst current accounts

If you're fed up with your current account, it's never been easier to switch to a better deal, but with so many options it's difficult to know where to start.
Buyers' Guide - Current Accounts

Paid-for accounts: are they worth the cost?

Is it worth paying for your current account?

Student finance
Moneywise guide to student finances

Give your kids the best chance of graduating university with a firm grasp of money matters as well as a degree with the Moneywise guide.
Top five financial tips for students

10 tips on how to bag a graduate job

Should you help your child repay their student loan?

Categories

Services

Connect

More information

Our other sites