Cash ISA season is in full swing right now as everyone with savings looks to max out their annual deposit limits before they reset on April 6.

Currently savers are free to stash up to £20,000 into their tax-free Cash ISA until the end of April 5, as long as they haven’t already maxed out their allowance in existing ISAs so far this tax year. They will then also have another £20,000 allowance open to them from April 6, 2026 until April 5, 2027, as the reduction in the limits to £12,000 for under-65s won’t be put into effect until next April.

Money expert Martin Lewis has recently named some top Cash ISAs which will beat the interest rates you can get by sticking with your bank via his weekly BBC Sounds and Spotify podcast.

March is the peak of Cash ISA season, where savvy savers look to maximise their annual tax allowances by filling up their £20,000 Cash ISA limit before the tax year changes in April and the limit resets. For those who are at risk of going over their Personal Allowance, which is £1,000 of savings interest for a basic 20% taxpayer, £500 for a 40% taxpayer, and £0 for an additional rate taxpayer, a Cash ISA protects the interest from tax.

Speaking on The Martin Lewis Podcast on BBC Sounds and Spotify on March 19, Martin said: “The top new customer only rate at the moment is a company called Trading212 at 4.68%. This is a Cash ISA. 1% of that is a bonus only for newbies, so if you are not new to Trading212 you will not get that rate. Similar is with Plum at 4.66%. On the Trading212 Cash ISA, you can’t get that rate direct, that is a comparison site rate so you can get it on most comparison sites but if you go direct you won’t get that rate, just to complicate it. And you can’t do transfers.”

Today (March 24), Martin’s Money Saving Expert website issued a rundown of the best Cash ISA rates, which Martin warned can change in hours in some cases.

The top pick is still Trading212, offering 4.68% including the bonus for new customers. Then, Plum offers 4.66%. Next is Moneybox which for new customers offers 4.26% and Atom Bank offers 4.25%. Atom’s is the highest non-bonus offer, so if you have already opened ISAs with the other providers in the past, Atom Bank could be the best easy access rate you can get right now, although it doesn’t allow transfers.

Next is Cynergy Bank, which also has no new customer bonus, meaning it offers its 4.05% rate to everyone, but it does allow transfers in from other ISAs.

With the easy access ISAs the rates can change throughout the year, if the bank or building society gives you notice, which is usually tied to Bank of England interest rate changes. But a fix is guaranteed to be that rate for the entire period.

The four best fixed rate deals right now include Hodge Bank, offering 4.36% fixed for one year, and Castle Trust Bank, offeing 4.35% fixed for one year.

For a two-year fix, MSE picks West Brom Building Society at 4.45% and Hodge Bank at 4.36%. For a big name brand, NatWest offers 4.3%.

Currently, people can save up to £20,000 annually in Cash ISAs, stocks and shares ISAs, or a mix of both.

From April 2027, the annual adult Cash ISA limit will be slashed to £12,000.

Only over-65s will retain the full £20,000 annual Cash ISA allowance.

The annual overall contribution limit into adult ISAs will remain at £20,000, potentially encouraging some savers who reach the £12,000 Cash Isa limit to put more money in stocks and shares.

Alastair Douglas, chief executive of TotallyMoney, said: “Cash ISAs let you earn interest on your savings tax-free – and that’s what can make them a better option than a regular savings account – and even more so if you have a decent amount of cash put away.”