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This Is Money updated its cash ISA tables on 5 November 2026, listing easy-access and fixed-rate deals by advertised rate. Its tables show easy-access rates up to 5.02% and fixed deals up to 5.17% for three years; rates and terms can change, so savers should check directly with providers.
This Is Money updated its cash ISA tables on 5 November 2026, listing easy-access and fixed-rate accounts by advertised interest rate as savers compare tax-free options. The tables show an easy-access rate of up to 5.02% and a three-year fixed-rate deal at 5.17%; the publication says providers cannot pay to appear or improve their position.
In the easy-access table, Trading 212 is listed at 5.02% with a £1 minimum and a 1.17% bonus for 12 months. Chip is listed at 4.70%, Plum at 4.66%, and Ecology Building Society at 4.65%. The table also includes conditions that can affect how useful an account is: Ecology’s account runs to 30 November 2027 and allows two withdrawals, while some other accounts limit withdrawals or reduce the rate after a set number.
Rates in the fixed-rate table vary by term and provider. For one year, the source lists Shawbrook Bank at 5.02% for new customers depositing at least £10,000, followed by Zopa at 5.00% with a £1 minimum. For 18 months, West Bromwich Building Society is listed at 5.15%. The two-year table is led by RCI Bank at 5.15%, and the three-year table lists Shawbrook Bank at 5.17% for new customers depositing at least £10,000.
The publication says the tables are compiled by savings expert Sylvia Morris and This Is Money, and that accounts are ordered by rate. It also discloses that links marked with an asterisk may earn an affiliate commission, while saying this does not affect account placement or editorial independence. The source cautions that rates may change without providers notifying the publication and advises checking account details before applying.
Rates, access and the ISA allowance
The tables give savers a time-stamped comparison of tax-free cash ISA rates, but the headline rate is only one part of the decision. Easy-access accounts can suit people who need to withdraw money, though withdrawal caps, introductory bonuses and minimum deposits can alter the value of a deal. Fixed accounts offer a stated rate for a set term, but tie up savings under the provider’s conditions.
The allowance also affects how much people can shelter in ISAs. This Is Money reports that the Government announced at the Autumn Budget 2026 it would keep the annual allowance at £20,000, rather than reduce it to £12,000 from April 2027 as had been planned. The report does not provide further policy detail, but the retained allowance means savers can continue to use the existing £20,000 limit, subject to ISA rules.
These figures are a snapshot, not a promise that a listed account will remain available or keep the same rate. Bonus rates may expire, and a product with a slightly lower advertised rate could fit a saver better if it has easier access or a lower minimum deposit. The comparison is useful as a starting point, not a substitute for checking eligibility and terms.
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How the comparison is compiled
The report describes the tables as a regularly updated guide to easy-access and fixed cash ISAs from banks and building societies. It says accounts are ranked by rate and that providers cannot pay for inclusion or a higher position. The tables also list other savings categories, including monthly income accounts, platforms, Junior ISAs and National Savings products, but the supplied rates here concern adult cash ISAs.
Several easy-access rates include a bonus lasting 12 months. For example, the source lists Trading 212 with a 1.17% bonus, Plum with 2.12%, and Moneybox with 1.08%. Those bonuses form part of the rates shown in the table, so the advertised rate may not represent the rate after the bonus period. The report does not set out each account’s post-bonus rate.
Fixed-rate products are grouped by term, but some listed durations do not exactly match the category label: the 18-month section includes Aldermore at 15 months and Skipton at 19 months. Minimum deposits also differ widely, from £1 at some providers to £10,000 for certain Shawbrook accounts. Readers therefore need to compare the exact term, deposit threshold and account restrictions rather than relying on the category heading alone.
“Banks and building societies cannot pay to appear or boost their position.”
— This Is Money
Terms behind the headline rates
The tables reflect rates reported on 5 November 2026; they do not establish whether every account is still open to new applicants or whether providers have changed their offers since publication. The source explicitly says rates can change without notice. It also does not give the later rate on accounts with temporary bonuses, so savers should check what applies when the bonus ends.
Some entries have specific eligibility or access conditions, including minimum deposits, new-customer requirements, withdrawal limits and, in one case, a local-customer restriction. The supplied material does not provide full account terms, interest-payment schedules, transfer rules or detailed withdrawal penalties for every product. It also does not include the complete three-year table after the Shawbrook entry, so the listed 5.17% should not be read as a complete ranking of all products in that term.
The report states that the ISA allowance will remain £20,000, but the supplied information does not give a full account of the Government’s budget announcement or any related implementation details. No claim is made here about future rate movements or which account will produce the best return for an individual saver.
Check providers before applying
Savers considering an account should confirm its current rate and availability directly with the provider, then review the minimum deposit, bonus duration, withdrawal rules and fixed-term conditions. Those checks matter especially where the table notes a bonus or a limit on withdrawals. If transferring existing ISA savings, customers should also confirm the provider’s transfer process and rules rather than withdrawing funds themselves.
This Is Money says it updates its tables as new deals arrive, so the rankings may change as providers revise or withdraw offers. The next development to watch is any change to the listed rates or account terms, alongside further official detail about the ISA allowance if issued after the Autumn Budget. The source gives no timetable for a further update.
Key Questions
What is the highest easy-access cash ISA rate in the table?
The 5 November table lists Trading 212 at 5.02%, with a £1 minimum and a 1.17% bonus for 12 months. The rate may change, and the bonus terms should be checked with the provider.
Which fixed cash ISA rate is highest in the supplied table?
The highest figure in the supplied entries is 5.17% for Shawbrook Bank’s three-year account, listed for new customers with a minimum deposit of £10,000. The source excerpt does not show the full three-year table.
Is the ISA allowance being cut to £12,000 in April 2027?
This Is Money reports that the Government announced at the Autumn Budget 2026 that it would keep the annual allowance at £20,000, rather than reduce it to £12,000 from April 2027.
Do the listed rates stay the same for the whole year?
Not necessarily. Some easy-access accounts include bonuses lasting 12 months, and the publication warns that rates can change without notice. Check the provider’s current rate and what happens when any bonus ends.
What should I compare besides the interest rate?
Check the minimum deposit, access limits, bonus period and fixed term. The tables include accounts with withdrawal caps and products available only to new customers or local residents, so the top rate may not be suitable for every saver.
Source: thisismoney.co.uk
