Best savings rates: Cash Isas, fixed rate Isas, regular savings Isas

  • The web's best savings tables
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  • Compiled by savings expert Sylvia Morris  
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By This Is Money

Published: 10:50 EST, 22 October 2004 | Updated: 06:53 EST, 14 October 2015

Five of the best 

This is Money's savings correspondent Lee Boyce picks his five favourite cash Isas for savers in 2015 - essential reading 

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CASH ISAs - EASY ACCESS 
Type of account (min investment) Rate (tax-free)
BONUS ACCOUNTS: pay a bonus for the first 12 months or more. These are the rates including the bonus
Post Office Online Isa Issue 3(£100+) (5) 1.51
Post Office Premier Isa 10  (13) 1.5
Santander Direct Isa Saver 12 (£500+) (8) 1
Santander Direct Isa Saver 12  (£500+) (3) 0.8
Halifax Isa Saver Variable (£1+) (4) 0.8
Accounts WITHOUT bonus: rates are not boosted by a temporary bonus that drops off after a year
Nationwide Flexclusive Isa issue 9 (£1) (6) 1.6
Virgin Money Defined Access Isa (£1+) (9) 1.56 
Monmouthshire BS (£10+) (1) (11) 1.5
Coventry BS Easy Access Isa (1) 1.4
Nationwide Instant Isa Saver Issue 3 1.4
Family BS Market Tracker Cash Nisa (£500+) (12) 1.36 
Kent Reliance Easy Access Cash Isa (£1,000+) 1.35
Yorkshire BS Triple Access Isa Saver (£100+) (9) 1.35
Marks & Spencer Advantage Isa (£100+) 1.3
Darlington BS (£1) 1.3
Teachers BS Cash Isa 4 (£100+) 1.3
Sainsbury's Bank (£500+) 1.3
Dudley BS Csah Isa 4 (£100+) 1.3 
West Bromwich BS Easy Saver Isa (£15,000+) 1.25
Metro Bank Variable Cash Isa (£1+) 1.25
Leeds BS Everyday Isa (£1+) 1.25
National Counties BS Cash Nisa 2 (£1+) 1.25
National Savings & Investments Direct Isa (£100+) (1) 1.25 
Principality BS e-isa Issue 9 (£1+) 1.2 
Virgin Easy Access Cash Isa Issue 14 (£1+) 1.11
(1) You cannot transfer savings into your Cash Isa from other banks or building society into this account.
(2) Rate drops to 0.5 per cent after 12 months.
(3) After 12 months the account will revert to an Isa Saver, which will pay 0.5% for balances of £1+ and 1% on £10k+.
(4) Includes a 0.50 percentage point bonus for 12 months.
(5) Includes a 0.86 percentage points bonus for 12 months.
(6) Only available to Nationwide Flexclusive current account holders.
(7) Includes a 0.8 percentage point bonus for the first twelve months.
(8) Bank pays 1.25% or its customers with its 123 account. After 12 months the account will revert to an Isa Saver, which will pay 0.5% for balances of £1+ and 1% on £10k+
(9) There is a limit to the number of withdrawals you can make each year.
(11) Only available to those living in the society's operating area and existing members.
(12) Pays the average of top 20 easy-access accounts plus 0.1 per cent. Rate reassessed every three months.
(13) Rates includes a 0.85 percentage point bonus paid for the first eighteen months.
CASH ISA FIXED RATE TERM ACCOUNTS 
Type of account (min investment) Rate (tax-free)
ONE YEAR
Virgin Money (£1+) 1.81 
AA Savings (£500+) (5) 1.76 
Tesco Bank (£1+) 1.75 
Holmesdale BS (£500+) 1.75 
Post Office (£1+) 1.67 
Nationwide (£1+) 1.65 
Leeds BS (£100+) 3 (11) 1.65 
Shawbrook Bank (£5,000+) 1.65 
Halifax (£500+)  1.6 
Aldermore Bank (£1,000+)1.5
Kent Reliance (£1,000) 1.5
Skipton BS (£500+) 1.4 
Metro Bank (£1+) 1.4
M&S Money (£100+) 1.4
Saga (£1+) 1.4
TWO YEARS
Mansfield BS (£500+) (1)2.10 
Virgin Money (£1+) (6) 2.06 
Coventry BS (£1+) (12) 2.05 
Marsden BS (£35,000+) (6) 2.05 
AA Savings (£500+) (5) 2.01 
Shawbrook Bank (£5,000+) 2 
Halifax (£500+) 2 
Principality BS (£500+) 2 
Marsden BS (£5,000+) (6) 2 
Leeds BS (£100+) (3) 1.9 
Post Office (£1+) 1.87 
Kent Reliance (£1,000) 1.85
Barclays Bank (£1+) (14) 1.83 
Post Office (£1+) 1.8
Nationwide (£1+) 1.8
Skipton BS (£500+) 1.8 
Leeds BS (£100) (3) 1.8
Aldermore Bank (£1,000+) 1.75
Metro bank (£1+) 1.75
THREE YEARS
Yorkshire BS (£100+) (8) 2.3 
Chelsea BS (£100+) (8) 2.3 
Norwich & Peterborough BS (£100+) (8) 2.3 
Barnsley BS (£100+) (8) 2.3 
Virgin Money (£1+) (4) 2.25 
Principality BS (£500+) 2.2
Shawbrook Bank (£5,000+)  2.1 
Metro Bank (£1+) 2 
Nationwide (£1+) 2
Skipton BS (£500+) 2
Post Office (£1+) 1.96
Aldermore Bank (£1,000) 1.85 
FIVE YEARS
Virgin Money (£100+) 2.51
Principality BS (£500+) 2.5 
Leeds BS (£100+) (3) 2.45 
Coventry BS (£1) (9) 2.4
Skipton BS (£500+) 2.3 
Metro Bank (£1+) 2.25
Shawbrook Bank (£5,000+) 2.25
(1) No transfers accepted from other providers.
(2) Available to local resident or existing members only.
(3) You have access to 25 per cent of your capital without penalty during the term.
(4) Fixed to 1 September 2018.
(5) Your money is deposited with Bank of Ireland 
(6) Fixed to 31 October 2017. 
(8) Fixed to 30 November 2018.
(9) Fixed to 30 May 2020.
(11) Fixed to 31 October 2016
(12) Fixed to 30 November 2017. 
(14) Three withdrawals of up to 10 per cent of your balance allowed without charge during the two-year term.
(15) Fixed to 1 September 2019.

Dear Reader,

These tables are unique on the web. They are independent and providers are not forced to pay to appear, which is typically the case at big comparison sites.

Independent savings expert: Sylvia Morris

Independent savings expert: Sylvia Morris

They are completely unbiased - we simply show the best rates around and don't do 'featured deals'.

We've gone a step further, too. To feature in the best buys on variable rate accounts in our savings tables, an account must give you easy access to your money and come with no hidden catches.

In the past we have refused to include accounts where the rate is boosted by a short-term bonus or those with over-restrictive conditions so you only earn the advertised rate if you make three or less withdrawals a year.

But with interest rates so low, most of today's best deals have some sort of clause built in, whether that's a bonus or a restriction on withdrawals.

For that reason, we've included decent bonuses as long as they last for at least 12 months. This is to avoid you having to switch your account too often when short-term bonuses run out.

If there is a restriction on withdrawals we have made this clear in the notes on each account.

We also ignore old-style 'notice' accounts where the bank or building society can demand you give up to six months' notice that you want to take our money out while it can change the rate at any time without warning.

All banks and building societies are registered with the Financial Services Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £85,000) or via its passport scheme (where the compensation limit depends on the bank's home country. In Europe it is €100,000).

If you have a question about the tables email sy.morris@dailymail.co.uk and editor@thisismoney.co.uk

Sylvia Morris

This is Money savings tables expert

 

 Five of the best 

This is Money's savings correspondent Lee Boyce picks his five favourite cash Isas for savers in 2015 - essential reading

 

All savings tables

Easy access | Fixed rates | Cash Isas | Monthly income | Phone / Postal Junior Isas / children's | Offshore | National Savings | Premium Bonds

>> Research your own savings accounts

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