Best cash Isas you can STILL open before the end of the tax year

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With just a day to go before the end of the tax year, some savers will inevitably be scrambling to complete last minute Isa admin. 

Whether that is opening a new Isa account or transferring an existing Isa, some providers offering the top Isa accounts will stop accepting new applications or transfers at 4pm today. 

Bear in mind that you would be wise to make payments as soon as possible, to ensure they are processed in time and not leave it until the last minute. The closer to the deadline, the more risk that the payment won’t go through.

We round up 20 of the best Isas across easy-access and fixed-terms. 

Mad dash: The end of the tax year is looming and some providers will be shutting their doors to new Isa applications from 4pm today

Easy-access  

Plum* – 5.17% [full details]

– Facts: £100 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 3pm on 5 April

– This is Money says: This account can only be opened through Plum’s app. Any cash deposited is fully FSCS protected, as are all of the accounts in this list.

This account is the best overall rate for an easy-access cash Isa, but it includes a bonus rate of 0.88 per cent for the first 12 months. After 12 months, the rate drops to 4.29 per cent.

Plum’s Isa allows transfers in, but if you transfer in funds from another Isa the rate you’ll get will be 4.29 per cent. This will be a big catch for some savers. It is not a flexible Isa.

If your balance dips below £100, or if you make more than three withdrawals within a year, the rate drops to 3 per cent. 

Moneybox – 5.16% [full details]

– Facts: £500 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 3pm on 5 April for transfers in, 11am on 5 April for opening an Isa as a new customer and 3pm on 5 April for opening an Isa as an existing customer

– This is Money says: This account can only be opened by downloading the Moneybox app. The rate includes a bonus of 0.91 per cent for the first 12 months.

The Isa only allows three withdrawals within in each 12 month period from the date the account is opened.

If you make a fourth withdrawal, or if the amount in your account dips below £500, you will get a rate of just 0.75 per cent on your savings for the rest of that 12 month period or until your balances rises to £500.

Chip* – 5.1% [full details]  

– Facts: £1 to open

– Transfers in: No

– Flexible: No

– Deadline: Before midnight on 5 April

– This is Money says: Savers must download Chip’s app and deposit a minimum of £1 to get Chip’s Isa.  

The Isa is fully flexible. This means that savers can instantly deposit and withdraw their money with no restrictions and without affecting their Isa allowance.

Savers can replace any money they withdraw from their Isa without it counting towards their yearly Isa allowance, as long as they replace the money in the same tax year.

Crucially, this Isa does not allow transfers in at the moment, which will be a drawback for many savers. Customers can sign up to be notified when Chip starts allowing Isa transfers.

Zopa Bank – 5.08% [full details]

– Facts: £1 to open 

– Transfers in: Yes

– Flexible: Yes 

– Deadline: Apply for an account or initiate a transfer before midnight on 5 April 

– This is Money says: Savers must download Zopa Bank’s app to open this Isa.

The rate currently includes a bonus rate of 0.5 per cent if you open a Zopa Isa until 6 April. This bonus will run out on 6 April 2025 and the underlying rate will drop to 4.58 per cent on that date. 

This Isa is fully flexible which is a useful feature in keeping as much of your pot as tax-friendly as it can be. 

Charter Savings Bank – 5.03% [full details]

– Facts: £5,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 4pm on 4 April

– This is Money says: This Isa offers the best rate if you don’t want to download an app to open and manage your Isa. 

The Isa can be opened online on Charter Savings Bank’s website. 

One-year fixed 

Fixed rate cash Isas generally offer higher rates than their easy-acess counterparts in exchange for parting with your cash for a year or more.

The best one-year fixed-rate Isas now pay upwards of 5 per cent interest.

Charter Savings Bank – 5.05% [full details]

– Facts: £5,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 4pm Thursday 4 April

– This is Money says: Charter Savings Bank tops the list of This is Money’s best one-year Isas. 

You can only open and manage this Isa online through Charter Savings Bank’s website. There is an option to receive interest monthly or annually. 

Kent Reliance – 5.04% [full details]

– Facts: £1,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: Before midnight on 5 April, subject to early withdrawal

– This is Money says: This Isa can be opened online on Kent Reliance’s website or in branch. For those who don’t want to download an app to get an Isa or prefer to go into a branch to manage their money, this is the best option. 

United Trust Bank – 5.02% [full details]

– Facts: £5,000 to open

– Transfers in: Yes 

– Flexible: No

– Deadline: 2pm on 5 April 

– This is Money says: This account can be opened online and once it is open it can be managed online or through email, post or telephone. 

Zopa Bank – 5% [full details]

– Facts: £1 to open

– Transfers in: Yes 

– Flexible: Yes, with Zopa pots 

– Deadline: Apply for an account or initiate a transfer before midnight on 5 April

– This is Money says: This Isa can only be opened by downloading Zopa’s app. 

Zopa allows savers to spread their Isa allowance across easy-access and fixed term Isa pots. 

 Paragon Bank – 4.9% [full details]

– Facts: £1,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 4pm on 5 April

– This is Money says: This account can be opened online, on Paragon Bank’s website or by post. 

Two-year fixed

Zopa Bank – 4.67% [full details]

– Facts: £1 to open

– Transfers in: Yes

– Flexible: Yes, with Zopa pots

– Deadline: Apply for an account or initiate a transfer before midnight on 5 April.  

– This is Money says: This Isa can only be opened by downloading Zopa’s app.

Zopa allows savers to spread their Isa allowance across easy-access and fixed term Isa pots.

United Trust Bank – 4.65% [full details]

– Facts: £5,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 2pm on 5 April

– This is Money says: This account can be opened online and once it is open it can be managed online or through email, post or telephone.

Furness Building Society – 4.6% [full details]

– Facts: £1,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 5 April

– This is Money says: This account can be opened online, by post or in branch. 

Paragon Bank – 4.59% [full details]

– Facts: £1,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 4pm on 5 April 

– This is Money says: This account can be opened and managed online or by post.

This post first appeared on Dailymail.co.uk