| Rank | Product | Rate (AER) |
|---|---|---|
| 1 | Barclays Prem Triple Ac 1 Year Flexible Cash ISA (1) M | 4.51% |
| 2 | Barclays Prem Triple Ac 1 Year Flexible Cash ISA (1) | 4.51% |
| 3 | Barclays Prem Triple Ac 2 Year Flexible Cash ISA (1) | 4.51% |
| 4 | Barclays Prem Triple Ac 2 Year Flexible Cash ISA (1) M | 4.51% |
| 5 | Newcastle Building Society Five Year Fixed Rate ISA (Issue 84) Monthly | 4.5% |
| 6 | Manchester Building Society 5 Year Fixed Rate ISA | 4.5% |
| 7 | Manchester Building Society 5 Year Fixed Rate ISA Monthly | 4.5% |
| 8 | Lloyds Bank 2 Year Fixed Rate Cash ISA Monthly | 4.5% |
| 9 | Newcastle Building Society Five Year Fixed Rate ISA (Issue 84) | 4.5% |
| 10 | Lloyds Bank 2 Year Fixed Rate Cash ISA | 4.5% |
An ISA is a tax-efficient way to save money. Each tax year, you're given an annual ISA allowance (or a limit to the amount you can pay into an ISA). For the 2026/2027 tax year, this stands at £20,000.
The Financial Services Compensation Scheme (FSCS) guarantees that it will step in to compensate the first £120,000 you have saved with a UK-authorised bank, building society or credit union in the event that the business goes bust.
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A flexible ISA is an ISA that lets you withdraw funds and pay them back into your ISA account in the same tax year, without affecting your annual ISA allowance. This can apply to cash ISAs, stocks and shares ISAs and innovative finance ISAs, but not all providers offer flexible ISAs so you’ll need to check.
A flexible ISA means you won’t be penalised if you access some of your ISA funds.
Let’s say you’ve paid £20,000 into a flexible cash ISA, using your full ISA allowance for that year. In the same tax year, you decide to withdraw £10,000. Because the ISA is flexible, the withdrawal doesn’t affect your annual allowance and you can repay the £10,000 before the end of the tax year.
Once you’ve made your withdrawal from a flexible ISA, you can replace the money in the same or any other ISA, including a stocks and shares or innovative finance ISA.
By contrast, if the ISA was not flexible and you’d paid in £20,000 but withdrawn £10,000, you wouldn’t be able to repay the £10,000 as this would mean you’d have exceeded your annual allowance.
Ultimately, whether you need a flexible ISA is up to you. But if you think you could get close to using up your £20,000 annual ISA allowance and you plan to make withdrawals, it’s well worth choosing a flexible ISA.
On the other hand, if you know you won’t get close to reaching your annual ISA limit or you don’t plan to make any withdrawals, choosing a flexible ISA won’t be so important.
Choosing a flexible ISA could be a great option if you’re worried that you will get close to using your full ISA allowance and might need to make some withdrawals. Just remember that not all providers offer flexible ISAs and it’s important to check how competitive the account is before making a decision.
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