ISA 2 Year Fixed | The Savings Guru

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ISA 2 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	ISA Information	SG Verdict
Apply Now	4.65%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	- 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
Apply Now	4.61%	£1,000 / No maximum	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 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
Go to OakNorth website	4.55%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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from: Cash ISAs - Split ISA Allowance not permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 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
Apply Now	4.55%	£5,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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Annually	- Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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
Barclays	4.40%	£1 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	- Transfers in accepted from: Cash ISAs and Stocks & Shares ISAs only - This ISA is flexible and you are able to re-deposit withdrawn funds if the re-deposit amount doesn't take you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	- Additions are permitted - Three withdrawals are premitted during the term of this 1 Year Flexible Cash ISA. The maximum value per withdrawal is 10% of your balance at the time the withdrawal is made. - Transfers out and closures are permitted subject to the loss of 180 days interest	Barclays is one of the largest savings providers in the UK.
z Charter Savings Bank	4.61%	£5,000 / £1.5m	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 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	Wolverhampton based Charter Savings is part of Chartercourt Financial Services, which launched in 2015, and has recently merged with One Savings Bank, which has a combined £16.3bn of savings balances
z Close Brothers	4.60%	£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 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
Coventry Building Society	4.63%	£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 - 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 2^nd largest building society in the UK looking after £38.2bn of deposits This product has a fixed maturity of 31st December 2028
Furness Building Society	4.70%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded 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	No withdrawals are permitted but early closure is allowed subject to the loss of 180 days interest.	Furness Building Society is based in Barrow-in-Furness and was founded in 1865. It looks after £920m of savers deposits.
Hodge Bank	4.63%	£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 not accepted - 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.
Leeds Building Society	4.45%	£100 / 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 - 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 31st July 2026 Withdrawals can be made subject to the loss of 150 days interest	This account has a fixed maturity date of 31st July 2028 Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.
Nationwide	4.51%	£1 / No max	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, 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 180 days interest	Nationwide are the largest building society and one of the top seven savings providers in the UK by value of deposits managed
Apply Now	4.65%	£1,000 / £1m	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, Cash APS ISA and Stocks & Shares APS ISA - 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	Early access allowed subject to the loss of 180 days of interest Further additions allowed for 14 days after account opening	Part of French car giant Renault, RCI are a UK licensed bank and covered by the Financial Services Compensation Scheme You can find out more about them here
Scottish Building Society	4.41%	£500 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Annual interest paid 31st March	- 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 28th April 2027 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.
Shawbrook Bank	4.53%	£1,000 / £250,000	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 - 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
Tandem Bank	4.62%	£0 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Added to the account	- Transfers in accepted from: Cash ISAs only - This ISA is flexible	Additions allowed for up to 14 days after account opening Withdrawals permitted but with penalty of 180 days interest	A competitive rate from Tandem Bank, who acquired Harrods Bank in January 2018.
Vanquis	4.50%	£1,000 / £250,000	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 and Stocks & Shares ISAs - Split ISA Allowance not permitted - This ISA is flexible - Additional permitted ISA subscriptions are not accepted	Additions allowed for up to 30 days from account opening Withdrawals allowed subject to the loss of 180 days of interest	Vanquis Bank is part of the Provident Financial Group, which was founded in 2002 and looks after £1.68bn of deposits. You can find out more about Vanquis in our banking directory here
Vida Bank	4.70%	£1,000 / £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 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 180 days interest	Vida Bank was authorised in 2024 and launched its first savings products on 5th December 2024.

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