ISA round up - 20th February

Easy access ISA rates continue to increase in response to the Base Rate rise - the top 15 providers are within 0.25% of each other. Fixed rate ISAs continue to hold up well and we've seen some upward rises on these this week, as they seem to have found their level.  Here's our round up of the best buys and key changes in the Individual Savings Account markets:

Easy Access ISA

Harpdenden Building Society and Virgin Money lead the way at 3%, although there are restrictions with both - the Virgin account is only available to Virgin Money current account holders and Harpdenden only permit three withdrawals.  Shawbrook are next with no such restrictions on their 2.91% rate.  Gatehouse Bank and Coventry Building Society both pay 2.90% to complete the top five. There's four providers paying 2.85% with Cynergy Bank, Paragon Bank's Triple Access ISA, Sainsburys Bank and Principality Building Society all tied. 

Notice ISAs

Notice ISA best buys remain unchanged with Loughborough still leaders paying 3.05% on 120 Day Notice.  The account can only be opened and managed by branch and post though.  Furness Building Society are next at 3% on their 45 Day Notice ISA. Mansfield Building Society also pay 3% but on a huge 180 Days' Notice.  Hinckley & Rugby are fourth at 2.95% on their 90 Day Notice, ahead of Aldermore Bank who pay 2.80% on just 30 Days' Notice.  Below this, all providers are well beaten by the best easy access rates.

1 Year ISA

Barclays lead the way paying 4% on their 1 Year ISAs with UBL Bank up to 2nd raising their rate to 3.91% this morning. Castle Trust Bank pay 3.90% and OakNorth and Virgin complete the top five at 3.85%, although Virgin pay 4.25% to existing current account holders.  Shawbrook are at 3.82% and Cynergy at 3.81% as the best buys have a new look following plenty of changes last week.

2 Year ISA

Gatehouse Bank lead the way at 4.10% ahead of Charter Savings Bank and Secure Trust Bank at 4.05%. State Bank of India are fourth at 4.01% with Leeds and Skipton Building Societies both paying 4%.

3 Year ISA

Skipton Building Society and Gatehouse Bank lead the way at 4.20%, with the former increasing their rate last week. UBL Bank are next at 4.11% ahead of Close Brothers and State Bank of India who both pay 4.10%. Leeds Building Society, at 4.05%, are the only other provider paying above 4%.

5 Year ISA

Gatehouse Bank lead the way at 4.20%, ahead of UBL who are paying 4.11% and Metro Bank at 4.01%. United Trust Bank  are fourth at 3.95% with West Brom Building Society completing the top five at 3.90%.

Lifetime ISA

Moneybox remain outright top at 3.50%. The Moneybox rate does include a 0.75% bonus for 12 months.  Nude Finance are second at 3% but their rate comes with a £2 monthly fee.  Beehive Money are third with a straight 2.75% with Paragon Bank close behind at 2.50%.  Skipton are up to 2.25% to leave Newcastle bringing up the rear at 2%.

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