Top Cash ISA Savings Rates for 2025: Accessible and Fixed Interest Rates Compared
In the ever-evolving world of savings, UK savers are fortunate to find competitive rates on Easy Access Cash ISAs. For those seeking tax-free savings options with flexibility, here's a roundup of the current best Easy Access Cash ISA rates in the UK for 2022 and up to 2025.
Leading the pack is Trading 212 with an impressive tax-free rate of **4.98%**, allowing withdrawals within 12 months. For those preferring a more established provider, Tesco Bank offers a strong easy access rate at **4.11%**.
These cash ISAs allow you to save tax-free, with a yearly subscription limit of £20,000 per individual. Interest earned in these accounts is not subject to income tax, which is a key advantage, especially for those with significant savings.
For those who are willing to lock their money away for a fixed term, rates are slightly lower but still competitive. Hodge Bank and Marsden Building Society, for instance, offer rates of around 4.3% for one or two years.
The main advantage of Easy Access ISAs is the flexibility to withdraw money when needed without penalties, making them suitable for savers who want liquidity alongside tax-free interest.
Below is a summary of some of the top Easy Access Cash ISA providers and their rates:
| Provider | Interest Rate (Easy Access) | Notes | |---------------|-----------------------------|--------------------------------| | Trading 212 | 4.98% | Easy access, 12 months | | Tesco Bank | 4.11% | Top big-name easy access rate |
It's important to note that the rates and terms may change over time, so it's always a good idea to regularly review your savings options.
In addition to Easy Access and Fixed-rate ISAs, Lifetime ISAs are also available. These can be used to buy a first home or save for later life, and must be opened by individuals who are 18 or over but under 40.
For those interested in other savings options, it's worth exploring platforms like Moneybox, CMC Invest, and Plum, which offer competitive rates and unique features.
In conclusion, whether you're a fan of big-name banks or innovative fintech companies, there's an Easy Access Cash ISA out there to suit your needs. With rates as high as 4.98%, now is an excellent time to consider opening or switching your Easy Access Cash ISA.
[1] Source: MoneySavingExpert () [2] Source: This is Money (
For those looking to invest their personal-finance for higher returns, considering Easy Access Cash ISAs can be a smart move, as evidenced by rates as high as 4.98% from Trading 212. Additionally, for individuals aiming to grow their savings tax-free, Easy Access ISAs offer flexibility with the option to withdraw funds when needed, making them an attractive choice in personal-finance.
