ISA round up - 8th December
08/12/2025
For the first time in years, 1 Year ISA best buy rates have moved above easy access ISA rates as the market cools with the expectation of a Base Rate cut to 3.75% on 18th December. ISA rates in general look overpriced given the likelihood of Base Rate falling to 3.50% in 2026 so there's still time to lock in at attractive rates now. Certainly, if Base drops to 3.75% next week then we expect to see the best ISA rates fall towards 4%. Here's our round up of the best buys and key changes in Individual Savings Accounts:
Easy access ISA rates have collapsed with the best buy now Plum, who pay 4.28%, which includes a bonus of 1.49% for 12 months. Atom Bank have joined the market at 4.25% but this is only open to new subscriptions, not transfers in. Charter Savings have improved their rate to 4.16% and nudge ahead of Aldermore Bank, who pay 4.15% for their Single Access ISA. Teachers Building Society pay the same rate (4.20% for Teachers and Education professionals) on their Double Access ISA. Kent Reliance improved their rate on Friday to 4.12% and Tembo Money pay 4.10% on their no catches ISA.
Aldermore Bank pay a best buy 3.90% for their 60 Day Notice ISA. Paragon also pay 3.90% on their 40 Day Notice, but given easy access rates, it's difficult to justify going below these levels.
Tembo Money pay a best buy 4.30% alongside Investec. UBL Bank pay 4.28% - just ahead of Vanquis Bank at 4.25%. Charter Savings Bank improve to 4.24% to move above Zopa at 4.22%. Gatehouse Bank are next at 4.21% while NatWest Bank continue to pay 4.20%.
UBL Bank lead the way paying a best buy 4.16% ahead of Vanquis Bank at 4.15% and Charter Savings at 4.13%. Cynergy cut to 4.10% and Kent Reliance pay 4.02%. Aldermore Bank pay 4.01% alongside Shawbrook Bank but ahead of Hampshire Trust Bank at 4%.
Castle Trust Bank top the pile paying 4.16%, a whisker ahead of Cynergy Bank at 4.15%. Aldermore Bank improve to 4.13% as do Charter Savings Bank. UBL Bank remain at 4.12%. There's a drop to Shawbrook at 4.01% while Ford Money and Close Brothers both pay 4%.
Hampshire Trust Bank lead the way on 5 Year ISA paying 4.14%, ahead of UBL Bank at 4.13% and Castle Trust Bank at the same rate. Chetwood Bank pay 4.10% via Hargreaves Lansdown. Hickley & Rugby Building Society pay 4.05% with Shawbrook at 4.01% - the only other provider above 4%.
Moneybox are top paying 4.69% although 1.64% of this is a 12 month bonus. Plum are next paying 4.20% - with 0.84% of this comprising a 12 month bonus. Tembo pay a straight 4.10%. Paragon Bank are a distant 3.51% with Bath Building Society paying 2.85%.