This is Money's latest savings tables highlight the top easy-access and fixed-rate cash Individual Savings Accounts (ISAs) available from banks and building societies. These tables are updated regularly as new deals become available and are compiled by savings expert Sylvia Morris.

Financial institutions cannot pay to be featured or improve their ranking; placement is solely based on the rates offered. The publication emphasizes that its tables are independent and unbiased, ensuring that only the best rates are presented.

Easy Access Cash ISAs

Among the easy-access cash ISAs, Trading 212 offers a rate of 4.51%, which includes a 0.91% bonus for 12 months. Plum Easy-Access Isa follows with 4.44%, including a 1.90% bonus for 12 months. Stafford Building Society's Cash Isa Double Access is at 4.36%, with a limit of two withdrawals per year before the rate is affected. Hargreaves Lansdown Cash Isa offers 4.30%, and Atom Bank's Easy Access Cash Isa is at 4.25%.

Other providers in the easy-access category include Kent Reliance Easy Access Cash Isa 77 at 4.21%, Teachers Building Society Single Access Cash Isa at 4.20% (limited to one withdrawal annually), and Vida Savings Double Access Isa at 4.16% (limited to two withdrawals annually).

Cynergy Bank Online Isa 67 and Aldermore Bank Reward Isa Single Access 11 both offer 4.15%, with the latter limited to one withdrawal per year. Virgin Money Double Take E Isa and Charter Savings Bank Easy Access Isa 79 are listed at 4.15% and 4.11% respectively. Vanquis Bank Triple Access Isa 7 provides 4.08% with three withdrawal limits, while Harpenden Building Society Online Single Access Isa 3 offers 4.06% with one withdrawal.

Tesco Bank Instant Access Cash Isa offers 4.06%, including a 3.10% bonus for 12 months. Dudley Building Society Cash Isa Instant 30 is at 4.05% for a minimum investment of £10,000 and does not permit transfers. Yorkshire Building Society's 1 Year Online Cash Isa, which runs for 12 months, is at 4.05%. Spring Easy Access Cash Isa is available at 4.01%.

Marcus by Goldman Sachs Cash Isa offers 4.01%, including a 0.74% bonus for 12 months. Shawbrook Bank Easy Access Cash Isa and Moneybox Cash Isa are both at 4.00%. The Moneybox account has a £500 minimum investment and a 0.55% bonus for 12 months, with three withdrawal limits. Nottingham Building Society Annual Allowance Isa and Coventry Building Society 5 Access Isa – 1 year are also at 4.00%. Tandem Bank offers 4.00% with a 0.25% bonus for 12 months.

Family Building Society Market Tracker Cash Isa 2 offers 3.98%, Buckinghamshire Building Society Cash Isa Easy Access Tracker at 3.90% for a £10,000 minimum, and Chorley Building Society Online Cash Isa at 3.90% with three withdrawal limits. Harpenden Building Society Hart Isa, only available to locals, is at 3.86%, as is Vida Savings Easy Access Isa 4. Yorkshire Building Society Five Access Isa, which runs for 12 months, offers 3.85% with five withdrawal limits. Nottingham Building Society Bonus Access Isa offers 3.80% with a 2.10% bonus until April 30, 2027, and National Savings & Investments Direct Isa is also at 3.80%.

Notes clarify that withdrawal limits can result in a rate reduction after a certain number of withdrawals.

Fixed Rate ISAs

For one-year fixed-rate ISAs, Coventry Building Society offers 4.60%, matched by Tembo. Oaknorth Bank is at 4.56%, followed by Close Brothers at 4.55% for a £10,000 minimum investment. Hodge Bank and Aldermore Bank offer 4.55% and 4.52% respectively. United Trust Bank offers 4.50%, Charter Savings Bank 4.46% for a £5,000 minimum, and Furness Building Society 4.45%.

Hinckley & Rugby Building Society and Nationwide Building Society both offer 4.41%, with Virgin Money and Tesco Bank also at 4.40%. Zopa Bank and Yorkshire Building Society offer 4.40% for its fixed-rate ISA.

For 18-month fixed terms, Aldermore Bank offers 4.55% (for 15 months), and Paragon Bank offers 4.30% (for 15 months).

Two-year fixed rates include Aldermore Bank at 4.65%, Hodge Bank at 4.61%, and Close Brothers and RCI Bank both at 4.60% for a £10,000 minimum investment. Hinckley & Rugby Building Society offers 4.55%, and Nationwide Building Society is at 4.51%. Vida Savings offers 4.45%, and Yorkshire Building Society has a 4.45% option.

Three-year fixed rates are led by Aldermore Bank at 4.66%, with Hodge Bank at 4.61%. Nationwide Building Society, Close Brothers (for £10,000 minimum), and Nottingham Building Society all offer 4.60%. Skipton Building Society provides 4.50%.

For five-year fixed terms, Hodge Bank offers 4.66%. Newcastle Building Society, Hinckley & Rugby Building Society, Manchester Building Society, and Nottingham Building Society all offer 4.65%. Close Brothers (for £10,000 minimum) and Nationwide Building Society are at 4.60%. United Trust Bank offers 4.56%, and Skipton Building Society has a 4.60% rate.

Lifetime ISAs

Lifetime ISAs are designed for individuals aged 18 to 39 to purchase their first home or save for retirement. Savers can deposit up to £4,000 annually, and the government adds a 25% bonus, capped at £1,000 per year.

All banks and building societies featured are registered with the Financial Services Authority and are covered by the Financial Services Compensation Scheme. This scheme protects up to £120,000 per depositor, per institution, or up to €100,000 in European countries via the passporting scheme.