ISA round up - 29th June
29/06/2026
Easy access ISA rates have started to ease back but Plum has bucked the trend by increasing the rate on its best buy ISA. Lifetime ISAs have soared with Moneybox and Plum swapping blows which has driven pricing to 5.80%. Fixed ISA rates have seen cuts and we expect more to come. 1 Year ISAs have seen several reductions and withdrawals and the 4.70% best buy from AlRayan looks ripe for a cut as it is over 0.10% clear at the top. Several of the high street banks have moved up the tables, as a result of cuts elsewhere, which means we are likely to see further falls when they drop back, which they inevitably will. With Base Rate only expected to reach 4% by the year end, it looks like the bull run on fixed ISA pricing of the last three months is over and we will see some bloodletting. We don't expect sharp falls but there is likely to be an easing back. Here's our round up of the best buys and key changes in Individual Savings Accounts:
Plum are the best buy paying an improved rate of 4.62%, which includes a bonus of 2.08% for 12 months. Monument Bank remain at 4.34% but for new customers only. Atom Bank pay 4.25% and are also only open to new subscriptions only, not transfers in. Vida Savings Double Access ISA pays 4.16% - the rate on that account drops to 2.50% if more than two withdrawals are made per year. Virgin Money's Double Take ISA pays 4.15% but only allows two withdrawals. Cynergy Bank pay 4.15% too but with no bonus rate or restrictions. Charter Savings Bank pay a straight 4.11% and Cambridge Building Society pay 4.10% on their new Double Access ISA. Vanquis Bank pay 4.08% as they take the axe to their rate on their Triple Access ISA - and the rate drops to 2% if more than three withdrawals are made.
Aldermore Bank pay a best buy 4.15% for their 60 Day Notice ISA. Stafford Building Society pay 4% on their 60 Day ISA but given easy access rates, it's difficult to justify looking below these two.
AlRayan Bank pay a best buy 4.70% via Meteor Savings. Coventry Building Society are next paying 4.60% on their new 1 Year ISA. United Trust Bank remain at 4.59% andOakNorth Bank are next paying 4.56% despite their cut. UBL Bank drop to 4.55% alongside Halifax, Lloyds Bank, Close Brothers and Hodge Bank.
Hodge Bank lead the way paying 4.66% just ahead of AlRayan Bank, who pay 4.65% via Meteor Savings, Aldermore Bank, Coventry Building Society, Lloyds Bank and Halfiax. RCI Bank pay 4.60%, following their cut, alongside Close Brothers. United Trust Bank pay 4.55% alongside OakNorth.
Aldermore Bank pay a best buy 4.66% following their increase. Hodge Bank are next paying 4.61% ahead of Nationwide, who remain at 4.60%. United Trust Bank pay 4.55% while Charter Savings Bank are offering 4.52%. Skipton up their rate to 4.50% to move ahead of Kent Reliance and Tandem Bank at 4.45%.
Hodge Bank top the pile paying 4.66%. Halifax pay 4.65% and Nationwide remain at 4.60% but have been joined by Skipton Building Society and Close Brothers. United Trust Bank pay 4.56% with Leeds Building Society at 4.50% and Tandem Bank at 4.45%.
Moneybox are top paying 5.80% although a whoppig 3% of this is a 12 month bonus. Plum are next paying 5.65% - with 2.54% of this comprising a 12 month bonus. Paragon Bank are a distant 3.51% with Bath Building Society paying 2.60%.