ISA round up - 3rd February
03/02/2026
Moneybox leapfrog Plum at the top of easy access ISA best buys again as the two continue to exchange blows at the top of the best buys. Meteor Savings continue to offer the top 1 and 2 Year ISA rates with a huge best buy rate on 1 Year ISA. Close Brothers launch some new rates this morning with the pick being its 5 Year ISA at 4.21% - a new best buy. 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 4.39%, althought this includes a bonus of 0.94% for 12 Months. Plum remain at 4.36%, which also includes a bonus - of 1.82% for 12 months. Atom Bank are next paying 4.25% but this is only open to new subscriptions, not transfers in. Cynergy Bank are next at 4.10%. Vida Savings, via Hargreaves Lansdown's Active Savings, offer 4.05%. Charter Savings Bank are just behind at 4.04% and Family Building Society's Market Saver ISA pays 4.03%. Kent Reliance are next at 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.
isbank lead the way paying a thumping 4.35% via Meteor Savings. Al Rayan Bank are next, they pay 4.20% via Meteor Savings too. isbank pay the same rate, also via Meteor. Tembo Money pay 4.14% alongside Investec. Cynergy Bank pay 4.12% ahead of Close Brothers and Hodge Bank, who are tied at 4.11%. Kent Reliance improve to 4.08% to move ahead of Castle Trust Bank at 4.07%. UBL Bank pay 4.05% alongside Zopa Bank.
Al Rayan Bank are the best buy paying 4.15% via Meteor Savings. Cynergy Bank remain at 4.10%, but have been joined by Close Brothers who improved their rate this morning. UBL Bank pay 4.05% ahead of Hodge Bank at 4.02%. Charter Savings Bank, Zopa and Vanquis Bank are all locked at 4%.
Cynergy Bank lead the way paying 4.15%. Close Brothers move second as they improve their rate to 4.07% this morning. Castle Trust Bank are next at 4.05%. UBL Bank pay 4% as do Aldermore Bank, and Charter Savings Bank, following their cut.
Close Brothers move top as they improve their 5 Year ISA rate to 4.21% this morning. They move ahead of long time leader, Hampshire Trust Bank, who pay 4.18%. Castle Trust Bank are just behind them at 4.17% and UBL Bank continue to pay 4.13%. 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 4.50% although 1.70% of this is a 12 month bonus. Plum are next paying 4.45% - with 1.34% 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%.