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Best cash Isas 2024
Discover the top easy-access and fixed cash Isa rates and the best Isa providers
In this article
- The best cash Isa rates in November 2024
- 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
- Which are the best cash Isa and savings account providers?
Cash Isa rates boomed over the last couple of years thanks to 14 consecutive increases in the Bank of England base rate.
Unfortunately for savers, rates are no longer quite as high as they were a few months ago, but 97% of cash Isas still pay above September's rate of inflation (1.7%). This means you should consider transferring your savings if your account isn't working hard enough.
Here, we reveal 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.
The best cash Isa rates in November 2024
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.
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 | Trading 212 | 5.15% | £0 | Internet, mobile app | Daily |
| One-year fixed rate | Kent Reliance | 4.46% | £1,000 | Branch, internet | Monthly, on maturity |
| Two-year fixed rate | Marsden Building Society | 4.30% | £5,000 | Internet | Yearly |
| Three-year fixed rate | UBL UK | 4.31% | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
| Four-year fixed rate | UBL UK | 4.05% | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
| Five-year fixed rate | Shawbrook Bank | 4.12% | £1,000 | Internet | Monthly, anniversary |
Table notes: rates sourced from Moneyfacts on 4 November 2024. No providers in the table had a sample size large enough for us to generate a Provider customer score.
Best instant-access cash Isa rates
Trading 212 | 5.1% | £0 | Internet, mobile app | Daily |
Chip | 4.84% | £1 | Mobile app | Monthly |
Table notes: rates sourced from Moneyfacts on 4 November 2024 and based on a balance of £1,000. No providers in the table had a sample size large enough for us to generate a Provider customer score.
Best 1-year fixed-rate cash Isa rates
Cynergy Bank | 4.46% | n/a | £500 | Internet | Anniversary |
Kent Reliance | 4.46% | n/a | £1,000 | Branch, internet | Monthly, on maturity |
Charter Savings Bank | 4.45% | 69% | £5,000 | Internet | Monthly, anniversary |
Hampshire Trust Bank | 4.45% | n/a | £1 | Internet | Anniversary |
United Trust Bank | 4.45% | n/a | £5,000 | Internet | On maturity |
Table notes: rates sourced from Moneyfacts on 4 November 2024 and based on a balance of £5,000. Provider customer score is based on savers' overall satisfaction with the brand and how likely they are to recommend it to others. n/a means sample size was too small for us to generate a provider score.
Best 2-year fixed-rate cash Isa rates
Cynergy Bank | 4.3% | £500 | Internet | Anniversary |
Marsden Building Society | 4.3% | £5,000 | Internet | Yearly |
Hodge Bank | 4.27% | £1,000 | Internet | Monthly, anniversary |
Shawbrook Bank | 4.27% | £1,000 | Internet | Monthly, anniversary |
Table notes: rates sourced from Moneyfacts on 4 November 2024 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.
Best 3-year fixed-rate cash Isa rates
UBL UK | 4.31% | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
Secure Trust Bank | 4.26% | £1,000 | Internet | Yearly |
Table notes: rates sourced from Moneyfacts on 4 November 2024 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.
Best 4-year fixed-rate cash Isa rates
UBL UK | 4.05% | n/a | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
United Trust Bank | 4.05% | n/a | £5,000 | Internet | Anniversary |
RECOMMENDED PROVIDER Zopa | 4.01% | 78% | £1 | Mobile app | Monthly |
Table notes: rates sourced from Moneyfacts on 4 November 2024 and based on a balance of £5,000. Provider customer score is based on savers' overall satisfaction with the brand and how likely they are to recommend it to others. n/a means sample size was too small for us to generate a provider score.
Best 5-year fixed-rate cash Isa rates
Shawbrook Bank | 4.12% | £1,000 | Internet | Monthly, anniversary |
UBL UK | 4.11% | £2,000 | Branch, internet, mobile app, postal | Monthly, quarterly, anniversary, on maturity |
United Trust Bank | 4.11% | £5,000 | Internet | Anniversary |
Table notes: rates sourced from Moneyfacts on 4 November 2024 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.
Which are the best cash Isa and savings account providers?
We know that customer service is an important factor for many people when choosing an Isa. But how do you find a bank or building society that combines great rates with top-notch customer service?
Which? is here to help. We've asked thousands of savers to rate their bank or building society, enabling us to create unique provider scores for all the major providers.
We've also analysed thousands of savings products and given each provider an overall product 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 Marcus by Goldman Sachs (66) | 85% | 65% | |
Chase (165) | 83% | 49% | |
RECOMMENDED PROVIDER Paragon Bank (57) | 82% | 60% | |
RECOMMENDED PROVIDER Coventry Building Society (102) | 79% | 66% | |
Monzo Bank (208) | 78% | 49% | |
RECOMMENDED PROVIDER Zopa (58) | 78% | 59% | |
Revolut (106) | 76% | n/a |
Table notes: sample sizes in brackets. The results are based on an online survey of 4,550 members of the public in August 2023 and are representative of the GB/UK population (aged 18+). ‘-n/a' means not enough responses to include a star rating. Provider score based on savers' overall satisfaction with the brand and how likely they are to recommend it to others. Product score based on Which? analysis of providers' instant-access accounts, including opening restrictions and minimum investment requirements.
Which? Recommended Providers for Isas
Each year, we name the best savings providers as Which? Recommended Providers (WRPs). To win this award, the bank or building society must:
- achieve a provider score of 75% or above
- achieve an above-average product score of 58% or more
- be fully covered by the UK Financial Services Compensation Scheme (FSCS)
- 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 provider score order, rates correct as of 4 November 2024) are:
Marcus by Goldman Sachs
Marcus by Goldman Sachs received an 85% provider score. Savers gave it top marks for its application process and communication, as well as transparency of fees and charges. It was also praised for the interest offered on its instant-access account.
Marcus currently offers an instant-access savings account and cash Isa that both pay a competitive variable rate of 4.3% AER (4.22% gross), including a 0.49% (gross) bonus rate. This means the rate will fall to 3.79% AER (3.72% gross) after the first 12 months.
Visit Marcus for more information.
Paragon Bank
Paragon Bank achieved a provider score of 82%. It was highly rated by savers for its application process, communication and transparency of charges and penalties. Customers also gave it top marks for the quality of its instant-access rates.
Paragon Bank offers 2% AER on both its restriction-free instant-access cash Isa and savings account, but you can generally get higher rates if you choose a product that limits the amount of withdrawals allowed.
Visit Paragon Bank for more information.
Coventry Building Society
Coventry Building Society earned a provider score of 79%. Savers gave it high ratings for its customer service, application process, regular communications, and transparency of charges and penalties. Its telephone banking service proved particularly popular. Its instant-access savings rates were also rated highly.
It is the only WRP for savings with a branch network. Like many providers, it pays more if you manage your account online and make fewer withdrawals.
Coventry Building Society offers a range of savings products with market-leading rates. Both its restriction-free instant-access cash Isa and savings account offer 3.15% AER.
Visit Coventry Building Society for more information.
Zopa
Zopa achieved a provider score of 78%, with customers giving it high ratings for its application process, regular communications, and transparency of charges and penalties. Its competitive instant-access rates were also commended.
Its Smart Isa offers a rate of 4.8% AER with instant access, while its Smart Saver (not an Isa) pays 4.3% AER.
Visit Zopa for more information.
Can any cash Isas beat inflation?
Inflation dropped to 1.7% in September 2024 according to the Office for National Statistics (ONS).
When we checked on 21 October 2024, we found an impressive 548 cash Isas (97% 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 the right savings account for you using the service provided by Experian Ltd. Compare and choose accounts
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