ISA round up - 26th January
25/01/2026
Moneybox leapfrog Plum at the top of easy access ISA best buys. Meteor Savings continue to offer the top 1 and 2 Year ISA rates - via Al Rayan Bank - and Hampshire Trust Bank return to the summit on 5 Year ISAs. Cynergy Bank improved their ISA rates and there's increased competition at the top of 1 Year ISAs. But the market has seen more cuts than rises and we feel this will be the general direction of travel in the coming weeks. It is too early to call what will happen in ISA season but there's hope for some improvements in rates as providers could look to capture the last year of £20,000 subscriptions for all ages. Here's our round up of the best buys and key changes in Individual Savings Accounts:
Moneybox leapfrog Plum as they improve their rate to 4.35%, althought this includes a bonus of 0.90% for 12 Months. Plum remain at 4.32%, which also includes a bonus - of 1.58% for 12 months. 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. Cynergy Bank are next as they add 10bps to their ISA to increase to 4.10%. Chorley Building Society also pay 4.10% but only three withdrawals are permitted from their ISA. Vida Savings go back on Hargreaves Lansdown's Active Savings at 4.05% and they pay the same rate on their ISA with no restrictions. Ford Money's easy access pays 4.04% as does Charter Savings Bank, after they cut their rate. Family Building Society's Market Saver ISA pays 4.03% 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. isbank pay the same rate, also via Meteor. Tembo Money pay an improved 4.14% alongside Shawbrook Bank and Investec, increased their rate this morning. Cynergy Bank increase to 4.12% to move above Hodge and Kent Reliance, who are tied at 4.11%. Charter Savings Bank remain at 4.08% with Castle Trust Bank at 4.07% completing the top 10.
Al Rayan Bank are the best buy paying 4.15% via Meteor Savings. Cynergy Bank remain at 4.10% ahead of UBL Bank at 4.05%. Hodge Bank and Kent Reliance are tied at 4.02%. Charter Savings Bank, Zopa, Close Brothers and Vanquis Bank are all locked at 4%.
Cynergy Bank lead the way paying 4.15%. Charter Savings Bank, Castle Trust Bank and Kent Reliance are all tied at 4.05%. UBL Bank pay 4% as do Aldermore Bank, following their cut today and Close Brothers.
Hampshire Trust Bank are the next best buy paying 4.18% as they leapfrog Shawbrook and Castle Trust Bank - who both pay 4.17%. UBL Bank continue to pay 4.13% and Close Brothers remain at 4.10%. Chetwood Bank pay 4.05% via Hargreaves Lansdown and 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%.