Products featured in this article are independently selected by This is Money’s specialist journalists. If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence.
Top Isa rates above 4 per cent may not be available for long in 2026, according to savings experts.
James Blower, founder of website The Savings Guru, warns: ‘There’s likely to be some Isa rates north of 4 per cent in March and April but come June and July I’d be surprised if savers can get anything with a 4 in front of it.’
Tax-friendly Isas received £43.1billion of savers’ cash in 2025, due in large part to speculation that the Isa rate would be cut in the Autumn Budget.
This speculation has helped keep [Isa] rates higher than they would otherwise have been, according to Mark Hicks, Hargreaves Lansdown’s head of Active Savings.
Best buy easy-access Isa rates currently pay slightly more than their non tax-free savings account counterparts.
The best easy-access Isa* offered by Trading 212 currently pays 4.28 per cent compared to the best easy-access standard savings account from Spring Savings which pays 4.11 per cent.
Cash Isa rates could start to slide in 2026
The same fate is in store for fixed-rate Isas according to Blower.
He says: ‘The best buy one-year Isa rates are likely to drop to just above 4 per cent in the coming weeks and below that by the end of March 2026.
‘I’d expect the best buys for one-year Isa to be around 3.6 per cent come the end of 2026.’
Below are the best places to keep your cash before cash Isa rates fall whether you want easy-access to your money or to lock it away for longer.
– Facts: £1 to open
– Transfers in: Yes
– Flexible: Yes
This is Money says: Trading 212 is the best cash Isa is a true easy-access Isa that doesn’t cut rates for withdrawing money.
The rate includes a 0.68 per cent bonus rate which lasts for 12 months for new customers, after which it falls to 3.6 per cent. Use this special This is Money Trading 212* link to secure it.
Existing customers can earn 3.6 per cent with interest paid monthly.
The Isa is competitive because it has a good underlying rate, no withdrawal limits and is flexible.
Trading 212 will also apply the boosted rate to contributions made this tax year when transferring an Isa from another provider – previous tax year contributions receive the lower rate.
The account can only be opened by downloading Trading 212’s app. There are no limits to how many times you can withdraw your money and Trading 212 will not reduce your interest rate for accessing your money.
Trading 212’s Isa is a flexible Isa which is a big benefit to savers with the financial fire power to max out their Isa limit each year.
Any cash deposited with the Trading 212 cash Isa is FSCS protected, as are all of the accounts in this list.
Funds in the Trading 212 Isa are held split between partner bank accounts with Barclays, NatWest and JPMorgan.
Customers are able to see the percentage of their cash held at each bank is in the interest on the cash tab in the Trading 212 app.
It means if you already have money in Barclays, NatWest or JPMorgan, you’ll need to be careful not to breach the £120,000 limit if you put money away with Trading 212.
– Facts: £1
– Transfers in: No
– Flexible: No
This is Money says: Atom Bank’s Isa doesn’t have a bonus rate that falls away after 12 months so the rate will stay at a variable 4.25 until Atom changes it.
Withdrawals are unlimited meaning you won’t be penalised for accessing your money with a rate cut so this account would suit savers looking for a true no-strings attached easy-access Isa.
This Isa can be opened with a deposit starting from £1 and withdrawals are unlimited meaning you won’t be penalised for accessing your money with a rate cut.
The account can be opened by downloading the Atom app and opening an Isa there.
This Isa does not have the benefit of being flexible nor are transfers permitted from other Isas, only funds from the UK current account that is connected to the Atom account, which will be a drawback to some savers with Isa pots to transfer.
– Facts: £1,000 to open
– Transfers in: No
– Flexible: No
This is Money says: Investec Save currently offers the best one-year fixed Isa by interest rate, but bear in mind transfers into the account aren’t supported. You can open the account online.
Investec Save is also offering a 4.15 per cent regular one-year fix, outside of the Isa wrapper – so tax may be due on interest earned.
– Facts: £1,000 to open
– Transfers in: Yes
– Flexible: Yes
Full details at Aldermore Bank
This is Money says: If you’re keen…
Read More: Cash Isa rates set to fall in 2026 – here are the best tax-free accounts you can