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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
 Aldermore
4.72% £1,000 / No maximum

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

- 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

 United Trust Bank
4.70% £5,000 / No maximum

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  • Paid Away or Compounded
  • Paid Annually

- 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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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Withdrawals prior to maturity are subject to a penalty fee - which is the amount of withdrawal x no.of days withdrawn early x interest rate divided by 365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Interest can be withdrawn annually on the maturity date.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

Castle Trust Bank
4.76% £1,000 / £500,000

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Charter Savings Bank
4.73% £5,000 / £1.5m

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

- 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

Close Brothers
4.70% £10,000 / £2m

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  • 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

Cynergy
4.70% £500 / No max

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

- 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 permitted but early closure is allowed subject to the loss of 180 days interest.

Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings

Kent Reliance
4.70% £1,000 / £1m

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  • 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

Monmouthshire Building Society
4.65% £3,000 / £500,000

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  • Paid Annually
  • Paid On Maturity

- Transfers in accepted from: Other Monmouthshire 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

No withdrawals are permitted but early closure is allowed subject to the loss of 90 days interest.

Monmouthshire Building Society is based in Newport and was founded in 1869.  It looks after £818m of savers deposits.

Newcastle Building Society
4.65% £500 / No maximum

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  • 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 1st April 2025

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

OakNorth Bank
4.75% £1,000 / £500,000

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  • Paid Monthly
  • Added to the account
  • Paid 1st of the month

- 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

Paragon Bank
4.71% £500 / £500,000

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  • 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

Post Office Money
4.65% £500 / Max

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  • Paid on Anniversary
  • Paid Compounded

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

- 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 14 days after the account is opened

Post Office Money, which is owned by Post Office Ltd, launched in 2015 after the post office ceased being an agent for National Savings & Investments.  Savings in Post Office Money cash ISAs are placed with the Bank of Ireland UK.

Shawbrook Bank
4.74% £1,000 / £250,000

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

- 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

Further additions allowed while product remains open

Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings

Find out more about them here

Virgin Money - existing c/a holders
5.05% £1 / £2m

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  • 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

This account is only available for existing or new Virgin Money current account holders - non-customers may feel it is worth opening one to secure this rate

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.

Zopa
4.65% £1 / £250,000

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  • Paid Monthly
  • Added to the account

- 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

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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