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	4.20%	£1,000 / £120,000	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	4.05%	£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
Apply Now	3.90%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually 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Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 Additions can only be made in the first 14 days	London based Hampshire Trust Bank launched in 1977 but was acquired by a new management team in 2014. You can read more about them here
Find out more	3.92%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	Transfers in not accepted	Earlier access on closure only subject to 180 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.
Apply Now	4.05%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet 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 180 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.
Apply Now	3.92%	£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
Castle Trust Bank	4.08%	£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 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
z Close Brothers	4.05%	£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 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
Cynergy	4.05%	£500 / 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 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
Furness Building Society	4.15%	£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	4.02%	£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.
Kent Reliance	3.93%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet 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 180 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
Nationwide	4.05%	£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
Vanquis	4.00%	£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	3.90%	£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.
b Zopa	4.00%	£1 / £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	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

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