Best cash Isa rates 2019: Where to get the best deal

Lee Boyce: This is Money’s savings expert

Our five favourite Isas round-up is a permanent feature of This is Money.

It comes complete with an explanation detailing why we’re happy to pick each account.

This page will be kept updated as and when new deals pop up or old ones get scrapped.

Our team work tirelessly to stay on top of the latest rate changes, but banks and building societies can pull deals without telling us. 

If you spot a deal here that is not longer available please email us at [email protected]

Remember, you can open an Isa or transfer (provided you’re not tied to a fixed-term) at any time during the year.

Note that we don’t just copy the best rates from the savings tables – we scour the market for all-around winners. 

This is a taster of the top deals. For the best rates, visit our savings rates tables, which are comprehensive and independently compiled.

Our five favourite Isas:  

Coventry BS online easy-access, 1.5% [full details]

– Facts: £1 to open

– Transfers in: Yes

– This is Money says: This best buy easy-access deal from Coventry Building Society comes with a fixed bonus of 0.35 percentage points paid until 31 July 2020. 

Charter Savings Bank, one-year fix, 1.75% [full details]

– Facts: £1,000 to open

– Transfers in: Yes

– This is Money says: Challenger Charter Savings Bank has the best short-term fix. It offers FSCS protection and requires a minimum of £1,000 to open.

Charter Savings Bank, two-year fix, 1.95% [full details]

– Facts: £1,000 to open

– Transfers in: Yes

– This is Money says: Charter Savings Bank also has the best buy two year fix – and it also has a three year available at 2.05 per cent.

Santander, easy-access*, 1.5% [full details]

– Facts: £500 to open

– Transfers in: Yes

– This is Money says: This account from Santander beats the best buy offer from Coventry – but this top rate is only available to World 123 and Select customers. It also offers a two-year fix at 1.9 per cent for those customers. Those who aren’t get a 0.5 easy-access rate and 0.8 per cent two-year fix.

Coventry BS, five-year fix, 2.30% [full details]

– Facts: £1 to open

– Transfers in: Yes

– This is Money says: This is the best rate you can get on an Isa – but it requires fixing for five years.

What you need to know about Isas

Listen to our special Isa podcast – we tackle the basics and have tips for those who are experienced Isa savers or investors.

We also look at why investing is the best way to get inflation-beating returns over the long-term, how savers can eke some precious extra interest from accounts, and why an Isa is worth having.

 Press play to listen to the show above, or listen (and please subscribe if you like the podcast) at Apple Podcasts, Acast and Audioboom or visit our This is Money Podcast page.