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ISA 1 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
 Leeds Building Society
3.05% £100 / No maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity
  • Leeds Building Society savings accounts have been awarded the Fairer Finance Gold Ribbon (Spring 2022).
  • Take advantage of your tax-free savings allowance – this means that interest payable is exempt from income tax.
  • Enjoy the reassurance of a fixed rate of interest when you maintain a minimum balance of £100. Full terms & conditions apply.
  • Withdrawals can be made subject to the loss of 60 days interest.
  • This account is limited issue. You can deposit 2022/2023 funds up to and including 31st October 2022.
  • Please remember that withdrawals from ISA’s result in a loss of tax free status on the amount withdrawn.

This account has a fixed maturity date of 31st October 2023

Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.

 UBL
3.61% £1,000 / No maximum

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually
  • Paid On Maturity
  • Paid Quarterly

- 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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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.

Cambridge Building Society
2.50% £500 / £2m

Branch
App
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Post
Telephone

Branch
App
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Post
Telephone

  • Paid Annually
  • Paid 31st December

- 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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 permitted but are subject to the loss of 180 days of interest

- Once opened, you may invest all or part of your 2019/2020 ISA subscription limit of £20,000 and all or part of your 2020/2021 ISA subscription limit of £20,000. Once opened, the initial investment can be added to during the 2019/2020 and 2020/2021 tax years only. Additional funds can’t be added to the account during subsequent tax years.

- Competitive rate from Cambridge, which is the 13th largest building society in the UK looking after over £1.24bn of deposits, and who are one of the few providers to have their own savings app

Castle Trust Bank
3.15% £1,000 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

- 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

Close Brothers
3.05% £10,000 / £2m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Annually
  • Added to the account

- 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

Coventry Building Society
2.50% £1 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs

- This ISA is not flexible, and you not be 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 can be made with the loss of 120 days of interest

Further additions allowed for 14 days after the account is opened, or for as long as the product is open, whichever is longer

Competitive rate from Coventry Building Society which is the 2nd largest building society in the UK looking after £38.2bn of deposits

This product has a fixed maturity of 30th September 2023

Family Building Society
2.50% £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 30th September

- Transfers in accepted from: Cash ISAs only

- This ISA is flexible

- Additional permitted ISA subscriptions are not accepted

- Earlier access on closure only subject to 99 day loss of interest.

- Additions allowed for 15 calendar days after account opening

Epsom based Family Building Society is part of National Counties Building Society, the 11th largest in the UK.  It looks after over £2bn of savings.

Gatehouse Bank
2.50% £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid On Maturity

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs

- This ISA is not flexible and you will not be 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 but will result in a loss of 90 days profit

Initial deposit must be received within 14 days to guarantee the rate and the account will be closed if no deposits are received within 45 days of opening.

Gatehouse launched ISAs in April 2020.  They are a Sharia bank so this account pays expected profit, rather than interest, to meet Sharia law requirements.  The Bank looks after £318m of savings.

Hodge Bank
2.56% £1,000 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Annually
  • Interest paid annually is compounded. Interest paid monthly paid away.

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- 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.

Kent Reliance
3.20% £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually
  • Monthly interest paid on the last working day of the month Annual interest paid on 5th April

- 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

Newcastle Building Society
3.60% £500 / No maximum

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid Annually
  • Paid 4th November

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs, Help to buy ISAs

- This ISA is flexible and you are 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.

This ISA has a fixed maturity of 4th November 2021.

Newcastle is the eighth largest building society in the UK, looking after £3.4bn of savings

Paragon Bank
2.61% £500 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- Split ISA allowance

- This ISA is flexible

- Additional permitted ISA subscriptions are not accepted

Withdrawals are permitted subject to 90 days loss of interest

Additions are only allowed within 28 days of account opening

Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings.

You can find out more about them in our banking directory here

Santander
3.00% £500 / No Max

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Paid On Maturity

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, cash LISAs, Stocks & Share LISAs and Help To Buy ISAs

- Split ISA allowance not permitted

- This ISA is not flexible

- Additional permitted ISA subscriptions are not accepted

Withdrawals are not permitted but early closure is allowed subject to the loss of 120 days interest

Although this account can be opened online or via mobile app, savers can only view their balance via this channels once opened and will need to manage their account via phone or branch

Santander is one of the top seven savings providers, by size, in the UK

Secure Trust Bank
3.00% £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st December

- 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

Virgin Money
3.50% £1 / £2m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually
  • Annual interest paid 5th August
  • Monthly interest paid the last day of the month

- 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 allowed but are subject to the loss of 60 days of interest

Further additions are only allowed within 30 days of opening the account

Virgin Money is the brand name of the Clydesdale & Yorkshire Bank Group, following their £1.7bn takeover of Virgin Money.  The combined banking group looks after £58.7bn of savings.

Yorkshire Building Society
3.00% £100 / No max

Branch
App
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Telephone

Branch
App
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Post
Telephone

  • Paid Away or Compounded
  • Paid Annually
  • Paid 30th June

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Lifetime ISAs

- Split ISA Allowance is not permitted

- This ISA is flexible and you are 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 60 days interest.

Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

About The Savings Guru

We help savers get the best deal for their money by providing unique insight in to the savings market.  We help prospective banks apply for a banking licence and we help build customer services, products and marketing for them.  We also work with existing banks and building societies to improve their savings propositions.  This  insider view of savings means we are uniquely placed to help savers.

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