ISA 2 Year Fixed
Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | ISA Information | ISA Access | SG Verdict |
---|---|---|---|---|---|---|---|---|
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4.25% | £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 180 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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4.45% | £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| - Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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Withdrawals prior to maturity are subject to a penalty fee - which is the amount of withdrawal x no.of days withdrawn early x interest rate divided by 365 No further additions can be made after the first 14 days of opening. Interest can be withdrawn annually on the maturity date.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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4.55% | £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from: Cash ISAs - Split ISA Allowance not permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 180 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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4.50% | £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 150 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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4.26% | £1 / No Maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help To Buy 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 are not permitted but early closure can be made with the loss of 180 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 31st May 2026 |
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4.40% | £500 / No max | 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 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 |
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4.50% | £500 / £2m | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help To Buy ISAs - This ISA flexible and it is possible to split your allowance. - Additional permitted ISA subscriptions are not accepted. |
Withdrawals allowed subject to 180 days loss of interest. Further additions allowed only in the 14 days after opening. |
Essex based Ford Money launched in April 2017. They have consistently offered competitive ISA rates since. |
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4.52% | £1,000 / No Maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - Additional permitted ISA subscriptions are not accepted |
Withdrawals allowed subject to the loss of 180 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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4.35% | £100 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help To Buy 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. |
Additions can be made up to 1st June 2026 Withdrawals can be made subject to the loss of 150 days interest |
This account has a fixed maturity date of 31st May 2026 Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings. |
|
4.62% | £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 180 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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4.40% | £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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4.30% | £500 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - Split ISA allowance is 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 |
Additions can be made for 14 days after the account is opened. Withdrawals are permitted but with an interest penalty of 180 Days interest on the amount withdrawn |
This account has a fixed maturity date of 23rd October 2025 Scottish Building Society is Scotland's only independent building society and started life in 1848. They have branches in Edinburgh, Glasgow, Iverness, Troon and Galashiels and look after £380m of savings. Accounts are open to UK residents. |
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4.50% | £1,000 / £250,000 | 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 allowed subject to the loss of 180 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 |
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4.35% | £1 / £1m | Branch | Branch |
| - Transfers in accepted from: Cash ISAs and Stocks & Shares ISAs - This ISA is flexible and you are able to re-deposit withdrawn funds if the re-deposit amount does not take you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted |
Withdrawals and transfers are permitted but are subject to a loss of 180 days interest Additions and transfers in are only allowed within 30 days of account opening |
TSB is owned is part of the Spanish banking group Sabadell and looks after £35.9bn of savings |
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4.40% | £1 / No max | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks and 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 with the loss of 120 days interest |
West Brom are the 7th largest building society in the UK and look after £4.182m of deposits |
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4.50% | £1 / £250,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs only - This ISA is flexible
|
Withdrawals allowed subject to the loss of 180 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 |