ISA round up - 19th January
19/01/2026
Moneybox join Plum at the top of easy access ISA best buys but otherwise there are further cuts to the leading players with Aldermore amongst those cutting rates last week. Meteor Savings launch two new best buys - on 1 and 2 Year ISA - via Al Rayan Bank, which provides some joy for savers in terms which otherwise saw several cuts last week. Shawbrook topped 5 Year ISA with an improvement to their rate to dislodge long time leader, Hampshire Trust. Here's our round up of the best buys and key changes in Individual Savings Accounts:
Plum lead the way still at 4.32%, which includes a bonus of 1.58% for 12 months, but have been matched by Moneybox, who also pay a 12 month bonus of 0.87%. Atom Bank are next paying 4.25% but this is only open to new subscriptions, not transfers in. 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 4.09% and Vida Savings pay 4.05% on their ISA with no restrictions and Ford Money's easy access pays 4.04%. Family Building Society return with their Market Saver ISA paying 4.03%. Kent Reliance pay 4.02% to complete the top 10.
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.
Al Rayan Bank lead the way with a best buy 4.20% via Meteor Savings. Shawbrook are next after they improved their rate to 4.14% and move above Investec who pay 4.12%. Hodge and Kent Reliance are tied at 4.11% and Charter Savings Bank drop to 4.08%, after their cut. Tembo Money pay 4.07%, as do Castle Trust Bank, who move above Aldermore Bank at 4.06%.
Al Rayan Bank are the new top payers with a best buy 4.15% via Meteor Savings. Cynergy Bank remain at 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 are a whisker behind at 4.01%. Zopa, Close Brothers and Vanquis Bank are locked at 4%.
Cynergy Bank lead the way paying 4.15%. Aldermore Bank are next at 4.07%. Charter Savings Bank are joined at 4.05% by Castle Trust Bank after they cut their previous best buy rate. UBL Bank pay 4% as do Close Brothers and Kent Reliance.
Shawbrook are the new best buy as they increase to 4.17% to move above last week's leader, Hampshire Trust Bank, at 4.16%. UBL Bank continue to pay 4.13%, as do Castle Trust Bank. Close Brothers rejoin the market at 4.10% and Chetwood Bank pay 4.05% via Hargreaves Lansdown after they made a small reduction last week. Nationwide's 4% is the only other rate with a 4 in front of it.
Moneybox are top paying 4.00% although 1.20% of this is a 12 month bonus. Plum are next paying 3.95% - with 0.84% of this comprising a 12 month bonus. Tembo pay a straight 3.80%. Paragon Bank are a distant 3.51% with Bath Building Society paying 2.85%.