Cash Isa providers have been inching rates up, bucking the trend of Bank of England cuts. Despite the backdrop being one of declining rates, a trio of Isa providers at the top of our best-buy cash Isa table – Trading 212*, Plum* and Moneybox – have been hiking rates. In our view this is a standout cash Isa, because there aren’t many hoops to jump through to get the boost. Moneybox offers a cash Isa that doesn’t have withdrawal restrictions at a lower 4.1 per cent rate, including a 0.85 per cent bonus for a year. > Open a Plum cash Isa*