Top Cash ISAs for transfers in 2018/19

National Savings & Investments (NS&I) has cut the interest rate on its Direct ISA from 1% to 0.75%.

This is despite the Bank of England raising the Base Rate by the same amount in August.

With an interest rate of just 0.75%, NS&I's Direct ISA now lags well behind the rates offered by other providers and is below inflation.

Although many savers value the security that NS&I providers, it's worth noting that the Financial Services Compensation Scheme covers up to £85,000 of savings per banking group. Therefore, by spreading your savings around you can also ensure it is protected.

We’ve rounded up the best Cash ISAs that allow transfers of previous year’s ISA allowances as well as new subscriptions for 2018/19.

Easy access ISAs

The table below highlights the best easy access Cash ISAs that allow transfers in.

ISA	Rate	Minimum deposit	Bonus	Notes	Access
Al Rayan Bank Instant Access Cash ISA	1.36%*	£50	None	Transfers and new subscriptions.	Online, phone, post, in-branch, mobile app
Virgin Money Double Take Cash E-ISA	1.35%**	£1	None	Transfers and new subscriptions.	Online
Yorkshire Building Society Single Access ISA Saver	1.35%	£100	None	Transfers and new subscriptions	Branch, postal

* Anticipated profit rate (explained here)

**maximum two withdrawals per calendar year

Notice ISAs

If you don't think you'll need to access your ISA money, then you could instead opt for a notice ISA. Historically, they have generally paid better interest rates than easy-access ISAs.

Account	Interest rate (AER)	Minimum deposit	Bonus	Notes	Access
Charter Savings Bank 95 Day Notice Cash ISA - Issue 3	1.40%	£1,000	None	Transfers and new subscriptions. 95 days’ notice required for withdrawals.	Online

Fixed rate Cash ISAs

If you’d prefer to tie up your savings for a year or more, you could usually earn a far higher rate of interest with a fixed-rate Cash ISA.  Bear in mind that locking your money away for years could be a risky move.

Here are the top-paying fixed-rate Cash ISAs, arranged by timespans, that accept transfers.

If you want to use this year's ISA allowance have a read of The best Cash ISAs.

Account	Interest rate (AER)	Minimum deposit	Length of fixed rate	Notes	Access
Shawbrook Bank 5 year fixed rate cash ISA	2.15%	£5,000	Five years	Transfers and new subscriptions.	Online
Hodge Bank 4 year fixed rate cash ISA	1.80%	£1,000	Four years	Transfers and new subscriptions.	Online, postal
Paragon 3 year fixed rate cash ISA	1.86%	£500	Three years	Transfers and new subscriptions.	Online
Al Rayan Bank Fixed Term Deposit Cash ISA	1.81%*	£1,000	Two years	Transfers and new subscriptions.	Online, in-branch, post, phone
Al Rayan Bank Fixed Term Deposit Cash ISA	1.61%*	£1,000	One year	Transfers and new subscriptions.	Online, in-branch, post, phone, mobile app

*Anticipated profit rate (explained here)

Compare Cash ISAs

This article is regularly updated with the latest rates