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rates</span></h1><div class="o-topper__standfirst">Up-to-date tax-efficient savings deals</div></div><div class="o-topper__background"></div></div></div><article id="site-content" role="main" class="article article-grid article-grid--no-full-width-graphics" data-content-id="75ba3055-625c-4cb5-894b-0696a38f5e79" data-access-level="free" data-syndicatable="verify" data-article-type="no-full-width-graphics" data-cp-content-pipeline="true" data-feature-ads-pg="off"><div class="main-image"></div><div class="share-nav" data-trackable="share | top"><div class="share-nav__vertical" data-share-nav-vertical="true" data-component="share-nav"><div data-o-component="o-share" data-o-share-article="true" class="o-share o-share--vertical "><ul data-toolbar="share"><li class="o-share__action share-nav__x-action" data-share="twitter"><a class="o-share__icon o-share__icon--x" rel="noopener" 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90.5v166H768V580.3c0-91.9-19.9-162.6-127.3-162.6z"></path></svg></div><span class="o-share__text">Latest Isa rates on linkedin (opens in a new window)</span></a></li><li class="o-share__action share-nav__whatsapp-action" data-share="whatsapp"><a class="o-share__icon o-share__icon--whatsapp" rel="noopener" href="whatsapp://send?text=Latest%20Isa%20rates%20-%20https://www.ft.com/content/75ba3055-625c-4cb5-894b-0696a38f5e79" data-trackable="whatsapp"><div class="o-share__icon__image"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1024 1024"><path d="M756.7 436.8c-35.6-122-152.2-196.3-279.3-178.1-116 16.7-208.2 121.5-210.6 238.6-.9 45.5 9.5 87.9 30.4 128.2 2.6 4.9 3.1 12.2 1.6 17.6-4.1 15.4-9.8 30.5-14.9 45.7L257.6 768c44.5-14.2 86.2-27.4 127.8-41.1 7.3-2.4 13.1-1.8 19.9 1.5 48.9 23.9 100.3 31.5 154.2 22.4 145.1-24.5 238.3-172.8 197.2-314zM542.2 710.9c-47.6 5.4-91.8-3.7-132.7-28.3-5.4-3.2-9.9-3.8-15.8-1.8-20.2 6.8-40.7 13.2-61 19.7-2.4.8-4.9 1.2-9.5 2.4 5.3-16.1 8.6-31.2 15.1-44.8 9.4-20.1 6.5-35.8-4.3-55.9-57.4-106-12.8-237.4 99.5-287 124.7-55.1 269.7 24.4 288.6 159.4 17.9 129.1-77.2 224.6-179.9 236.3zm98.3-144.6c2.9 1.7 5.2 7.7 4.9 11.6-1.8 27.4-19.7 46.3-47.1 50.4-4.6.7-9.3.9-14 1.4l-.3 1c-8.8-1.9-17.7-3.3-26.2-5.9-57.5-17.8-101.9-53-134.8-103.2-13.6-20.8-27.2-41.4-30.4-66.8-3.1-24.2 4.6-44.7 21.1-62.3 10.4-11 23.3-10.4 36.3-7.7 2.9.6 6.1 4.2 7.4 7.2 6.9 16.7 13.7 33.4 19.4 50.5 1.5 4.7-.5 10.8-2 16-.8 3-3.6 5.5-5.7 8.1-14.9 18.3-14.7 18.2-1.7 37.8 17.8 26.9 41.5 46.8 70.2 61.2 9 4.5 15.7 3.7 21.9-4.2 5.2-6.5 11.1-12.5 16.5-18.9 4-4.8 8.6-6 14.2-3.1 16.8 8.9 33.9 17.4 50.3 26.9"></path></svg></div><span class="o-share__text">Latest Isa rates on whatsapp (opens in a new window)</span></a></li><li class="o-share__action share-nav__save-action"><div><form class="n-myft-ui n-myft-ui--save" method="GET" data-content-id="75ba3055-625c-4cb5-894b-0696a38f5e79" data-myft-ui="saved" action="/myft/save/75ba3055-625c-4cb5-894b-0696a38f5e79" 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426.2h106.2v341.4H264.4V426.2zm53.2-169.7c-34.1 0-61.6 27.6-61.6 61.5 0 34 27.5 61.5 61.6 61.5 33.9 0 61.5-27.6 61.5-61.5-.1-34-27.6-61.5-61.5-61.5zm323.1 161.2c-51.6 0-86.2 28.3-100.4 55.1h-1.5v-46.7H437.2v341.4h106V598.7c0-44.5 8.4-87.7 63.6-87.7 54.5 0 55.1 50.9 55.1 90.5v166H768V580.3c0-91.9-19.9-162.6-127.3-162.6z"></path></svg></div><span class="o-share__text">Latest Isa rates on linkedin (opens in a new window)</span></a></li><li class="o-share__action share-nav__whatsapp-action" data-share="whatsapp"><a class="o-share__icon o-share__icon--whatsapp" rel="noopener" href="whatsapp://send?text=Latest%20Isa%20rates%20-%20https://www.ft.com/content/75ba3055-625c-4cb5-894b-0696a38f5e79" data-trackable="whatsapp"><div class="o-share__icon__image"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1024 1024"><path d="M756.7 436.8c-35.6-122-152.2-196.3-279.3-178.1-116 16.7-208.2 121.5-210.6 238.6-.9 45.5 9.5 87.9 30.4 128.2 2.6 4.9 3.1 12.2 1.6 17.6-4.1 15.4-9.8 30.5-14.9 45.7L257.6 768c44.5-14.2 86.2-27.4 127.8-41.1 7.3-2.4 13.1-1.8 19.9 1.5 48.9 23.9 100.3 31.5 154.2 22.4 145.1-24.5 238.3-172.8 197.2-314zM542.2 710.9c-47.6 5.4-91.8-3.7-132.7-28.3-5.4-3.2-9.9-3.8-15.8-1.8-20.2 6.8-40.7 13.2-61 19.7-2.4.8-4.9 1.2-9.5 2.4 5.3-16.1 8.6-31.2 15.1-44.8 9.4-20.1 6.5-35.8-4.3-55.9-57.4-106-12.8-237.4 99.5-287 124.7-55.1 269.7 24.4 288.6 159.4 17.9 129.1-77.2 224.6-179.9 236.3zm98.3-144.6c2.9 1.7 5.2 7.7 4.9 11.6-1.8 27.4-19.7 46.3-47.1 50.4-4.6.7-9.3.9-14 1.4l-.3 1c-8.8-1.9-17.7-3.3-26.2-5.9-57.5-17.8-101.9-53-134.8-103.2-13.6-20.8-27.2-41.4-30.4-66.8-3.1-24.2 4.6-44.7 21.1-62.3 10.4-11 23.3-10.4 36.3-7.7 2.9.6 6.1 4.2 7.4 7.2 6.9 16.7 13.7 33.4 19.4 50.5 1.5 4.7-.5 10.8-2 16-.8 3-3.6 5.5-5.7 8.1-14.9 18.3-14.7 18.2-1.7 37.8 17.8 26.9 41.5 46.8 70.2 61.2 9 4.5 15.7 3.7 21.9-4.2 5.2-6.5 11.1-12.5 16.5-18.9 4-4.8 8.6-6 14.2-3.1 16.8 8.9 33.9 17.4 50.3 26.9"></path></svg></div><span class="o-share__text">Latest Isa rates on whatsapp (opens in a new window)</span></a></li><li class="o-share__action share-nav__save-action"><div><form class="n-myft-ui n-myft-ui--save" method="GET" data-content-id="75ba3055-625c-4cb5-894b-0696a38f5e79" data-myft-ui="saved" action="/myft/save/75ba3055-625c-4cb5-894b-0696a38f5e79" data-js-action="/__myft/api/core/saved/content/75ba3055-625c-4cb5-894b-0696a38f5e79?method=put" data-myft-ui-save-config="nonModal"> <input data-myft-csrf-token value="" type="hidden" name="token"> <div class="n-myft-ui__announcement o-normalise-visually-hidden" aria-live="assertive" data-pressed-text="Article saved in My FT." data-unpressed-text="Removed article from My FT." ></div> <button type="submit" class="n-myft-ui__save-button-with-icon" data-trackable="save-for-later" title="Save this article to myFT for later" aria-label="Save this article to myFT for later" data-alternate-label=" Saved to myFT" aria-pressed="false" data-text-variant="save-button-with-icon-copy" data-alternate-text="Saved " 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class="article-comment-count" title="Jump to comments section" href="#comments-anchor"><span class="o-normalise-visually-hidden">Jump to comments section</span></a><button class="article-print" data-component="print-button" data-trackable="print" title="Print this page"><span class="o-normalise-visually-hidden">Print this page</span></button></div><div class="article__content-sign-up"><div class="article__content-sign-up-topic-title">Unlock the Editor’s Digest for free</div><p class="article__content-sign-up-topic-description"><span>Roula Khalaf, Editor of the FT, selects her favourite stories in this weekly newsletter.</span></p><iframe class="article__content-sign-up-iframe close" scrolling="no" id="signUpIframe" data-prev-url="/register/in-article-sign-up?ft-content-uuid=75ba3055-625c-4cb5-894b-0696a38f5e79"></iframe></div><article id="article-body" class="n-content-body js-article__content-body" data-attribute="article-content-body" data-component="article-content-body"><p>Are you getting the best deal on your individual savings accounts (Isas)? Check the latest interest rates offered on cash Isas and fixed-rate deals.</p><p>See our coverage of the latest <a href="https://www.ft.com/personal-finance/banking-savings" data-trackable="link">savings and investment</a> issues.</p><div class="o-table-container n-content-layout" data-layout-width="auto" data-component="table"><div class="o-table-overlay-wrapper"><div class="o-table-scroll-wrapper"><table class="o-table o-table--responsive-overflow o-table--horizontal-lines" data-o-component="o-table" data-o-table-responsive="overflow" data-o-table-expanded="true"><caption class="n-content-body__caption n-content-body__caption--auto">Isa selection</caption><thead><tr><th class="" data-o-table-heading-disable-sort="true" scope="col" role="columnheader"></th><th class="" data-o-table-data-type="text" data-o-table-heading-disable-sort="true" scope="col" role="columnheader">Account</th><th class="" data-o-table-data-type="text" data-o-table-heading-disable-sort="true" scope="col" role="columnheader">Notice or term</th><th class="" data-o-table-data-type="text" data-o-table-heading-disable-sort="true" scope="col" role="columnheader">Deposit</th><th class="" data-o-table-data-type="text" data-o-table-heading-disable-sort="true" scope="col" role="columnheader">Transfers in</th><th class="" data-o-table-data-type="text" data-o-table-heading-disable-sort="true" scope="col" role="columnheader">% AER</th><th class="" data-o-table-data-type="text" data-o-table-heading-disable-sort="true" scope="col" role="columnheader">Int paid</th></tr></thead><tbody><tr><td class=""><strong>Cash ISAs</strong></td><td class=""></td><td class=""></td><td class=""></td><td class=""></td><td class=""></td><td class=""></td></tr><tr><td class="">West Brom BS westbrom.co.uk</td><td class="">60 Day Notice ISA (1)</td><td class="">60 Day</td><td class="">£1</td><td class="">Yes</td><td class="">4.85%</td><td class="">Yly</td></tr><tr><td class="">Principality BS principality.co.uk</td><td class="">Online Bonus 5 Access ISA 2</td><td class="">None</td><td class="">£1</td><td class="">Yes</td><td class="">4.85% <strong>A</strong></td><td class="">Yly</td></tr><tr><td class="">Moneybox via app</td><td class="">Moneybox Cash ISA</td><td class="">None</td><td class="">£500</td><td class="">Yes</td><td class="">5.17% <strong>A</strong></td><td class="">Yly</td></tr><tr><td class="">Trading 212 trading212.com</td><td class="">Cash ISA</td><td class="">None</td><td class="">£1</td><td class="">Yes</td><td class="">5.17%</td><td class="">Dly</td></tr><tr><td class=""><strong>Fixed Rate Cash ISAs</strong></td><td class=""></td><td class=""></td><td class=""></td><td class=""></td><td class=""></td><td class=""></td></tr><tr><td class="">Cynergy Bank cynergybank.co.uk</td><td class="">Fixed Rate Cash ISA</td><td class="">1 Yr Bnd</td><td class="">£500</td><td class="">Yes</td><td class="">4.48%</td><td class="">Yly</td></tr><tr><td class="">Castle Trust Bank castletrust.co.uk</td><td class="">Fixed Rate e-Cash ISA</td><td class="">1 Yr Bnd</td><td class="">£1,000</td><td class="">Yes</td><td class="">4.49%</td><td class="">OM</td></tr><tr><td class="">Shawbrook Bank shawbrook.co.uk</td><td class="">Fixed Rate Cash ISA Bond 111</td><td class="">1 Yr Bnd</td><td class="">£1,000</td><td class="">Yes</td><td class="">4.49%</td><td class="">OM</td></tr><tr><td class="">Hampshire Trust Bank htb.co.uk</td><td class="">1 Year ISA Fixed Saver (35)</td><td class="">1 Yr Bnd</td><td class="">£1</td><td class="">Yes</td><td class="">4.50%</td><td class="">Yly</td></tr></tbody><tfoot><tr><td colSpan="1000" class="o-table-footnote">A = Introductory rate for a limited period. OM = Interest paid on maturity. All rates shown as AER variable unless otherwise stated. Methods of opening and operating accounts will vary. All rates and terms subject to change without notice and should be checked before finalising any arrangement. No liability can be accepted for any direct or consequential loss arising from the use of, or reliance upon, this information. Readers who are not financial professionals should seek expert advice. Visit Moneyfactscompare.co.uk for full details. 21/11/24</td></tr></tfoot></table></div></div></div></article><script class="js-magnet-data" type="application/json">{"contentId":"75ba3055-625c-4cb5-894b-0696a38f5e79","annotations":[{"type":"TOPIC","predicate":"http://www.ft.com/ontology/annotation/about","prefLabel":"Isas","id":"6130d9a6-3003-46f0-b3a0-b76a8de8bae5","url":"https://www.ft.com/isas"},{"type":"TOPIC","predicate":"http://www.ft.com/ontology/annotation/about","prefLabel":"Personal Finance","id":"67ad3178-01ca-47bd-bac2-c097941f00df","url":"https://www.ft.com/personal-finance"},{"type":"TOPIC","predicate":"http://www.ft.com/ontology/annotation/about","prefLabel":"Banking & 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