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ISA round up - 27th March

Easy access ISA rates improved again with three providers tied at 3.20% and 13 paying 3% or more.  Santander have made a late ISA season move with best or joint best buy rates of 3.20% easy access, 4.15% for 1 Year and 4.20% for 2 Year. Longer term fixed rates are static though as the market prices in the expectation that the current Base Rate of 4.25% is the peak and that rates will fall in the coming years.  Here's our round up of the best buys and key changes in the Individual Savings Account markets:

Easy Access ISA

There are big changes at the top of easy access ISAs with three providers leading the way at 3.20%. Cynergy Bank have been joined by Santander and Paragon Bank's Triple Access ISA.  They move ahead of Shawbrook Bank (3.17%) and Gatehouse Bank (3.15%). Teachers Building Society also upped their rates to 3.15% with 3.20% available for teachers and education professionals. Principality Building Society are next at3.10%, although this does include a 0.40% bonus for 12 months. Yorkshire Building Society also pay 3.10% but as it only allows one withdrawal per annum, we haven't included it in our tables.

There's a great offer for savers who haven't signed up to Hargreaves Lansdown's Active Savings - they are offering £100 cashback on Coventry Building Society's Limited Access ISA paying 3%, for those saving at least £10,000.  This equates to a 4% annual return on £10,000 or 3.50% for those saving the full £20,000 ISA allowance. 

Notice ISAs

Notice ISA best buys are unchanged with Furness Building Society leading the way at 3.30% on their 45 Day Notice. Mansfield Building Society pay 3.25% - but on a huge 180 Days' Notice, although they do pay 2.85% on 95 Days.  Newcastle Building Society's 100 Day Notice pays 3.10% ahead of Loughborough Building Society, who pay 3.05% on 120 Day Notice. Like Mansfield, this account is only available by post or in branch. Below this, all providers are well beaten by the best easy access rates.

1 Year ISA

Santander are the new leader, paying 4.15% for 1 Year Fixed. Gatehouse Bank drop to second paying 4.10%. UBL Bank pay 4.01% to share third spot with Charter Savings. They are ahead of Shawbrook who pay 3.98%, to stay ahead of Castle Trust Bank and Paragon Bank at 3.96%.  Aldermore Bank pay 3.95% after their increase last week.

2 Year ISA

Santander and Gatehouse share top spot paying 4.20%, which sees Virgin Money drop to third at 4.17%.  Shawbrook are next at 4.16% ahead of a trio of providers at 4.15% - Paragon Bank, Charter Savings and Close Brothers.  Kent Reliance and Secure Trust Bank both moved up to 4.10% ahead of Aldermore Bank and Leeds Building Society at 4.05%.

3 Year ISA

Gatehouse Bank and Close Brothers tie for top spot at 4.20% but Aldermore Bank move up to joint third paying 4.15%, alongside Paragon Bank at 4.15% and ahead of UBL Bank at 4.11%. Leeds Building Society pay 4.10% as do State Bank of India and Secure Trust Bank.

5 Year ISA

There's no change on 5 Year as Gatehouse Bank continue to lead the way at 4.20% with United Trust Bank at 4.05% ahead of a three way tie for third - UBL pay 4% as do Secure Trust Bank and West Brom Building Society.

Lifetime ISA

Moneybox remain outright top at 3.50%. The Moneybox rate does include a 0.75% bonus for 12 months.  Bath Building Society are next paying 3.19% on their Lifetime ISA but savers must be existing customers or live in the Bath area.  Beehive Money are third at 3% alongside Nude Finance but their 3% rate comes with a £2 monthly fee. Paragon Bank and Newcastle Building Society both pay 2.50% and Skipton are the laggards at 2.25%.

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