ISA round up - 24th July
25/07/2026
2, 3 and 5 Year ISA best buys have all seen big jumps this week and there's another price war in the easy access market. The good news there is that one of those rates - Hargreaves Lansdown - is also open to transfers in whereas often the best rates are limited to new customers only or this years subscriptions. Tensions in the Middle East are driving rates higher and while we don't expect significant increases from here, the situation there will continue to support the current higher rates in the short term. We expect next week's Base Rate decision to be a hold, but we may get a clearer indication on the situation for the rest of the year - financial markets have a 4% Base Rate forecast before the end of 2026. Here's our round up of the best buys and key changes in Individual Savings Accounts:
Moneybox are the new best buy as they lead the price war at the top of easy access. Their rate includes a 1.25% bonus for 12 months. Plum are next paying an improved rate of 4.66%, which includes a bonus of 2.12% for 12 months. Hargreaves Lansdown are next paying 4.52% - which is the best rate open to transfers in. Monument Bank remain at 4.34% but for new customers only. Atom Bank pay 4.25% but are only open to new subscriptions only. Kent Reliance improve their rate to 4.24% to move up the tables with Charter Savings Bank also on the move, up to 4.23%, to move alongside Shawbrook Bank. Teachers Building Society single access ISA pays 4.20% (or 4.25% for teachers and education professionals).
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. Tandem Bank are next as they increased today to 4.67% to move ahead of Vida Savings at 4.65%. Charter Savings Bank pay 4.63% andOakNorth Bank are next paying 4.62% Hodge Bank and Close Brothers are tied at 4.61% while Aldermore Bank improve to 4.60% to move alongside Coventry Building Society and Investec.
RCI Bank pay a huge 4.80% as they move top. Tandem Bank also up their rate as they move to 4.74%. Charter Savings Bank offer 4.72% and AlRayan Bank pay an improved 4.71% via Meteor Savings. Furness Building Society and Vida Savings Bank are locked at 4.70%. Kent Reliance give their rate a boost to 4.68% as do Aldermore Bank - to 4.66% - to move alongside Close Brothers.
Tandem Bank move top paying a best buy 4.78% ahead of Vida Savings at 4.75%. Aldermore Bank lose top spot despite an uplift to 4.70%. Charter Savings Bank raise their rate to 4.65% and Close Brothers pay 4.63%. Hodge pay 4.61% while Kent Reliance lift their rate to 4.60%. United Trust Bank pay 4.55% ahead of Leeds Building Society at 4.50%.
Tandem Bank top the pile paying 4.81% as they upped their rate to pinch top spot of Vida Savings, who had led paying 4.80%. Furness Building Society pay 4.75% and Close Brothers are at 4.68%. Hodge improve to 4.66% to nip ahead of Hinckley & Rugby and Newcastle Building Society, who both pay 4.65%. There's a drop then to United Trust Bank who pay 4.56%.
Moneybox are top paying 4.45% although 1.65% of this is a 12 month bonus. Plum are next paying 4.40% - with 1.29% of this comprising a 12 month bonus. Paragon Bank are a distant 3.51% with Bath Building Society paying 2.60%.