ISA 1 Year Fixed
| Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | ISA Information | SG Verdict | |
|---|---|---|---|---|---|---|---|---|
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4.70% | £1,000 / £1m | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Innovative Finance ISAs |
This account is provided by Al Rayan Bank on the Meteor Savings platform |
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4.40% | £1,000 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Help to Buy ISAs - Split ISA allowance - This ISA is flexible - Additional permitted ISA subscriptions are not accepted
|
Withdrawals allowed subject to the loss of 90 days of interest Further additions are allowed only within 14 days of opening the account. ISA transfers must be received within 10 business days. |
Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here |
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4.40% | £1,000 / No maximum | Branch | Branch |
| Transfers in not accepted |
Earlier access on closure only subject to 90 day loss of interest. |
This ISA is provided by Chetwood Bank on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies. |
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4.50% | £1,000 / £120,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Innovative Finance ISAs |
This account is provided by isbank on the Meteor Savings platform |
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4.67% | £1,000 / £500,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs - Split ISA Allowance not permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals allowed subject to the loss of 90 days of interest Further additions allowed for up to 30 days after the account is opened |
OakNorth launched in 2015 and offers debt and property finance to UK small and medium size enterprises. OakNorth change their rates frequently so move quickly if this rate appeals You can find out more about them here |
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4.66% | £1,000 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
- Withdrawals are permitted subject to the loss of 90 days interest - Additions are not allowed, only one initial deposit is permitted |
United Bank UK was formed in 2001 from the merger of two Pakistani banks. It has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London. |
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4.59% | £5,000 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals prior to maturity are subject to a penalty fee - which is the amount of withdrawal x no.of days withdrawn early x interest rate divided by 365 No further additions can be made after the first 14 days of opening. Interest can be withdrawn annually on the maturity date. |
London based specialist lender United Trust launched in 1955 and look after £1.6bn of savings Find out more about them here |
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4.50% | £1,000 / £500,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs - Split ISA Allowance not permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals allowed subject to the loss of 90 days of interest Further additions allowed for up to 14 days after the account is opened |
Castle Trust Bank was authorised in March 2020 and launched initially to existing customers only before offering fixed rate bonds in August 2021 and ISAs in September 2021 |
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4.59% | £5,000 / £1.5m | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals allowed subject to the loss of 90 days of interest Further additions allowed for up to 30 days after the account is opened |
Wolverhampton based Charter Savings launched in 2015. It is now part of One Savings Bank which looks after a combined £16.6bn across its Charter Savings and Kent Reliance savings brands |
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4.65% | £10,000 / £2m | Branch | Branch |
| - Transfers in accepted from: Cash ISAs and Stocks and Shares ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals are not permitted but early closure is allowed subject to the loss of 90 days interest. |
Close Bank have been trading since 1878, are a FTSE 250 listed company and look after over £6.4bn of savings You can find out more about them here |
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4.55% | £1 / No Maximum | Branch | Branch |
| Transfers in are accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs |
Additions can be made for the first 60 days. Early withdrawals are permitted with the loss of 90 days' interest |
Halifax is part of Lloyds Banking Group, the largest savings provider in the UK |
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4.67% | £1,000 / No Maximum | Branch | Branch |
| - Transfers in not accepted - Additional permitted ISA subscriptions are not accepted |
Withdrawals allowed subject to the loss of 90 days of interest Once you have funded the account, no further additions are allowed |
Hodge bank is based in South Wales and was authorised in 1987 and looks after just over £1bn of deposits. |
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4.68% | £1,000 / £85,000 | Branch | Branch |
| - Transfers in are not accepted |
Additions allowed for up to 7 days Withdrawals are permitted subject to the loss of 90 days interest |
This is Investec's first ever ISA product. Investec is the 10th largest bank in the UK |
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4.50% | £1,000 / £1m | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - Split ISA allowance is permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals and early closure is permitted subject to the loss of 90 days of interest Additional funds and transfers in are permitted within the first 30 days of the account being opened |
Kent Reliance are part of One Savings Bank, which is listed on the FTSE 250. One Savings Bank has recently completed its merger with Charter Court Financial Services (which includes Charter Savings Bank) and now looks after combined savings balances of £16.3bn |
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4.55% | £3,000 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help To Buy ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals are allowed but are subject to the loss of 90 days of interest |
An extra 0.05% AER/tax free will be added for savers who already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days. Lloyds Banking Group is the largest savings provider in the UK looking after £412bn of deposits |
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4.50% | £1 / No max | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - Split ISA allowance permitted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted |
Withdrawals are not permitted but early closure is with the loss of 90 days interest |
Nationwide are the largest building society and one of the top seven savings providers in the UK by value of deposits managed |
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4.55% | £500 / 2£0,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
- Withdrawals are not permitted but early closure or transfer out is allowed, subject to the loss of 180 days of interest - Once opened, savers have five business days to make their initial deposit. |
Principality is the 6th largest building society in the UK, looking after £7.6bn of savings |
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4.50% | £1,000 / £1m | Branch | Branch |
| - Transfers in accepted from: Cash ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals not permitted but early closeure allowed subject to the loss of 90 days of interest Further additions allowed for 30 days after account opening |
Birmingham based Secure Trust Bank look after over £2bn of deposits. Their products tend not to be able for long so move quickly if this rate appeals. Find out more about them here |
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4.40% | £1 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals are not premitted but early closure is allowed, subject to the loss of 90 days of interest Further additions are only allowed within 30 days of opening the account |
Tesco Bank launched in July 1997, initially as a joint venture with Royal Bank of Scotland, but has been wholly owned by Tesco since 2008. It looks after £7.7bn of savings, having reduced its customer deposits from over £10bn in 2019, due to the sale of its mortgage business.
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4.65% | £1,000 / £500,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs and Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted |
Additions allowed for up to 21 days Withdrawals are permitted subject to the loss of 90 days interest |
Vida Bank was authorised in 2024 and launched its first savings products on 5th December 2024. |
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4.40% | £1 / £250,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs only - This ISA is flexible
|
Withdrawals allowed subject to the loss of 90 days of interest Further additions allowed for up to 30 days after the account is opened |
Zopa started life as a peer to peer lending business in 2005 but became a licensed bank in 2019 and launched their first savings accounts in August 2020. They launched their first ISA accounts in June 2023. You can find out more about them here |