ISA round up - 12th January
12/01/2026
Easy access ISA best buys have rebounded with Plum and Moneybox improving their rates, bucking the wider trend of rate reductions following last months Base Rate cut. 1 Year ISA rates have taken a big hit with the best buy rate down 0.20% since Base was cut and more falls expected to come. Hampshire Trust Bank's 5 Year ISA is the best fixed ISA rate in the market now - the first time for a long while that locking away for the longest term has secured the top rate. Here's our round up of the best buys and key changes in Individual Savings Accounts:
Plum improved their rate to 4.32%, which includes a bonus of 1.58% for 12 months, to move back to the top of the best buys. They leapfrog Moneybox, who also pay a 12 month bonus - but of 0.85% - as part of a total rate of 4.30%. Atom Bank are next paying 4.25% but this is only open to new subscriptions, not transfers in. Aldermore Bank pay 4.15% for their Single Access ISA. Vida Savings Defined Access ISA pays 4.11% but drops to 2.50% if more than four withdrawals are made. Chorley Building Society pay the 4.10% but only three withdrawals are permitted from their ISA. Charter Savings Bank pay a slightly improved 4.09%. Vida Savings pay 4.05% on their ISA with no restrictions and Ford Money's easy access pays 4.04%. Kent Reliance and Leeds Building Society both pay 4.02%.
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.
UBL Bank pay a best buy 4.12%, after their rate cut, alongisde Investec. Hodge, Kent Reliance and Charter Savings Bank all pay 4.11%, just ahead of Hampshire Trust Bank at 4.10%. Tembo Money pay 4.07%, following their cut and Aldermore Bank pay 4.06% as they also reduce their rate. Cynergy, Zopa and Vanquis all pay 4.05%.
Cynergy Bank pay a best buy 4.10% ahead of UBL Bank's 4.05% and Aldermore Bank at 4.02%. Hodge Bank and Kent Reliance also pay 4.02% and Charter Savings Bank cut to 4.01%. Hampshire Trust Bank pay 4% alongside Zopa and Vanquis Bank.
Kent Reliance and Castle Trust Bank share top spot - both paying 4.16% - which moves them above Cynergy Bank at 4.15%. Aldermore Bank are next as they cut to 4.07%. Charter Savings Bank increase their rate to 4.05% to move ahead of UBL Bank at 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. Furness Building Society pay 4.05% with Paragon Bank at 4%.
Moneybox are top paying 4.25% although 1.20% of this is a 12 month bonus. Plum are next paying 4.12% - with 1.01% 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%.