Savings
Best ISA Rates UK 2026: What the Tables Miss
In mid-2026 the best easy-access cash ISA rates reach about 4.6% AER, with the top one-year fixed ISAs similar. But a headline rate is only worth chasing once your savings interest breaches your Personal Savings Allowance - GBP 1,000 for a basic-rate taxpayer. Below that, a taxable account can beat a cash ISA.
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ISA allowance 2026/27 - GBP 20,000 across all ISA types combined
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Best easy-access cash ISA (representative, Jul 2026) - Around 4.5% to 4.6% AER, often including a...
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Best one-year fixed cash ISA (representative, Jul 2026) - Around 4.4% to 4.6% AER, fixed for the...
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Personal Savings Allowance - GBP 1,000 basic rate, GBP 500 higher rate, GBP 0 additional rate
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Plus 4 more in the full guide
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