Best cash Isas 2019: Where to get the best cash Isa rates and deals

Every little helps: Savings rates might be low but at least an Isa means interest is tax-free Lee Boyce: This is Money's savings expert Lee Boyce: This is Money's savings expert

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 editor@thisismoney.co.uk

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:  

Shawbrook Bank, easy-access, 1.43% [full details]

– Facts: £1,000 to open

– Transfers in: Yes

– This is Money says: This best buy can only be opened online and is offered by Shawbrook, which has FSCS protection. It was founded in 2011 and is based in Brentwood, Essex. The accounts comes without a bonus. 

Al-Rayan Bank, one-year fix, 1.6% [full details]

– Facts: £1,000 to open

– Transfers in: Yes

– This is Money says: Al-Rayan Bank has the best short-term fix. It is FSCS-protected, can only be applied for online. This rate is the ‘expected profit rate’. The bank monitors the target profit on a daily basis to ensure it is achievable. Elsewhere, there are a number of other savings providers offering 1.56 and 1.55 per cent in our tables over 12 months. 

A-Rayan Bank, two-year fix, 1.8% [full details]

– Facts: £1,000 to open

– Transfers in: Yes

– This is Money says: Al-Rayan also offers the top two year rate. There are a clutch of other providers that offer 1.75 per cent over 24 months.

Virgin Money, easy-access*, 1.46% [full details]

– Facts: £1 to open

– Transfers in: Yes

– This is Money says: This account from Virgin is the joint-best on the market, and doesn’t come with a bonus period. However, it isn’t strictly easy-access – savers can only make two withdrawals per year. There is also a Manchester United version of the account, where you can win prizes – it offers the same rate of interest. 

Metro Bank, five-year fix, 2.1% [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. It can be opened in one of its branches. 

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.  

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