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ISA 5 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
Charter Savings Bank
1.21% £5,000 / £1.5m

Branch
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Branch
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  • 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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 270 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

Coventry Building Society
1.25% £1 / No Maximum

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Branch
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  • Paid Away or Compounded
  • Paid Annually
  • Paid 30th November

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Further additions allowed in the first 14 days after opening only

Coventry is the 2nd largest building society in the UK looking after over £36bn of deposits.

This account has a fixed maturity of 30th November 2025.

Furness Building Society
1.10% £1,000 / £500,000

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Gatehouse Bank
1.05% £1,000 / £1m

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Branch
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  • 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 1800 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.

Newcastle Building Society
1.00% £500 / No maximum

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Branch
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  • Paid Monthly
  • Paid Annually
  • Monthly interest paid the last day of the month

- 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 not permitted but early access is subject to 365 days loss of interest

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

Paragon Bank
0.90% £500 / £500,000

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Branch
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  • 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 365 days loss of interest

Additions are only allowed within 28 days of account opening

Birmingham based Paragon launched in 2014 and now look after over £6bn of savings

Secure Trust Bank
1.20% £1,000 / £1m

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Branch
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  • 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 270 days of interest

Further additions allowed for 30 days after account opening

A very competitive first entry in to our 5 Year ISA tables from Birmingham based Secure Trust, who look after over £2bn of savings.

Find out more about them here: https://www.thesavings.guru/bank-directory/182-secure-trust-bank

Shawbrook Bank
1.10% £1,000 / £250,000

Branch
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Branch
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  • 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 360 days of interest

Further additions allowed while product remains open

Essex based Shawbrook, who launched in 2011 and look after over £6bn of deposits, have been consistently competitive in our ISA fixed rate tables

UBL
1.21% £1,000 / No maximum

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Branch
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  • 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 365 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.

United Trust Bank
1.10% £15,000 / No maximum

Branch
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Branch
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  • Paid Away or Compounded
  • 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 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.

Competitive rate from London based specialist lender United Trust Bank.

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