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 administration.

Whether it’s opening a new Isa account or transferring from an existing Isa, some providers offering the best Isa accounts will stop accepting new applications or transfers at 4pm today.

Please note that it is wise to make payments as soon as possible so that they are processed on time and not left until the last minute. The closer to the deadline, the greater the risk that the payment will not be made.

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

Easy access

Plum* – 5.17% (all details)

– Facts: £100 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 3:00 PM on April 5

– This is money says: This account can only be opened via the Plum app. All deposited funds are fully FSCS protected, as are all accounts on this list.

This account is the best overall rate for an Easy Access Isa, but includes a bonus rate of 0.88 per cent for the first twelve months. After twelve months the rate drops to 4.29 percent.

Plum’s Isa allows transfers, but if you transfer money from another Isa you’ll get a rate of 4.29 per cent. For some savers, this will be a big catch. It is not a flexible Isa.

If your balance falls below €100, or if you make more than three withdrawals within a year, the rate drops to 3 percent.

Money box – 5.16% (all details)

– Facts: £500 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 3pm on April 5 for transfers, 11am on April 5 for opening an Isa as a new customer and 3pm on April 5 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 percent for the first twelve months.

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

If you withdraw money for the fourth time, or if the amount in your account falls below €500, you will receive a rate of just 0.75 percent on your savings for the remainder of that twelve-month period, or until your balance increases to €500.

Chip* – 5.1% (all details)

– Facts: €1 to open

– Transfers in: No

– Flexible: No

– Deadline: Before midnight on April 5

– This is money says: Savers must download Chip’s app and deposit at least £1 to get Chip’s Isa.

The Isa is completely flexible. This means savers can deposit and withdraw their money instantly, without restrictions and without affecting their Isa balance.

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

Crucially, this Isa does not currently allow transfers, which will be a disadvantage for many savers. Customers can sign up to be notified when Chip allows Isa transfers.

Zopabank – 5.08% (all details)

– Facts: €1 to open

– Transfers in: Yes

– Flexible: Yes

– Deadline: Request an account or make a transfer before midnight on April 5

– This is money says: Savers must download the Zopa Bank app to open this Isa.

The rate currently includes a bonus rate of 0.5 percent if you open a Zopa Isa until April 6. This bonus expires on April 6, 2025 and the underlying interest rate will drop to 4.58 percent on that date.

This Isa is completely flexible, which is a useful feature for keeping as much of your pot as tax efficient as possible.

Charter Savings Bank – 5.03% (all details)

– Facts: £5,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: April 4 at 4 p.m

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

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

Fixed for a year

Fixed rate cash Isas generally offer higher rates than their easy access counterparts, in return for parting with your money for a year or more.

The best one-year fixed rate Isas now pay more than 5 per cent interest.

Charter Savings Bank – 5.05% (all details)

– Facts: £5,000 to open

– transfers in: Yes

– Flexible: No

– Deadline: Thursday, April 4, 4:00 PM

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

You can only access and manage this Isa online via the Charter Savings Bank website. There is an option to receive interest monthly or annually.

Kent dependency – 5.04% (all details)

– Facts: £1,000 to open

– Transfers in: Yes

– Flexible: No

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

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

United Trust Bank – 5.02% (all details)

– Facts: £5,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 2:00 PM on April 5

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

Zopabank – 5% (all details)

– Facts: €1 to open

– Transfers in: Yes

– Flexible: Yes, with Zopa pots

– Deadline: Request an account or make a transfer before midnight on April 5

– This is money says: This Isa can only be opened by downloading the Zopa app.

Zopa allows savers to spread their Isa balance across easily accessible Isa pots with a fixed term.

Paragonbank – 4.9% (all details)

– Facts: £1,000 to open

– transfers in: Yes

– Flexible: No

– Deadline: 4:00 PM on April 5

– This is money says: This account can be opened online, on the Paragon Bank website or by post.

Fixed for two years

Zopabank – 4.67% (all details)

– Facts: €1 to open

– Transfers in: Yes

– Flexible: Yes, with Zopa pots

– Deadline: Request an account or make a transfer before midnight on April 5.

– This is money says: This Isa can only be opened by downloading the Zopa app.

Zopa allows savers to spread their Isa balance across easily accessible Isa pots with a fixed term.

United Trust Bank – 4.65% (all details)

– Facts: £5,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: 2:00 PM on April 5

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

Furness Building Society – 4.6% (all details)

– Facts: £1,000 to open

– Transfers in: Yes

– Flexible: No

– Deadline: April 5th

– This is money says: You can open this account online, by post or in an office.

Paragonbank – 4.59% (all details)

– Facts: £ 1,000 to open

– transfers in: Yes

– Flexible: No

– Deadline: 4:00 PM on April 5

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