ISA Easy Access
Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | SG Verdict | ||
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3.00% | £1 / No maximum | Branch | Branch |
| £100 cashback for new or existing Active Savings customers who open an ISA between 14 February 2023 and 3 May 2023 and put in a minimum of £10,000. Cashback paid by 24th May. Terms & Conditions Apply. This ISA is provided by Coventry Building Society 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. Six withdrawals are permitted each year without penalty but, from the 7th withdrawal onwards, a charge of 50 days interest will be applied. Each 'year' starts from the anniversary of opening the account. |
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2.95% | £5,000 / £1.5m | Branch | Branch |
| - 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Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 and additions permitted |
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 |
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3.00% | £1 / No Maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is flexible and you be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 |
Six withdrawals are permitted each year without penalty but, from the 7th withdrawal onwards, a charge of 50 days interest will be applied. Each 'year' starts from the anniversary of opening the account.
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Competitive rate from Coventry Building Society which is the 2nd largest building society in the UK looking after £38.2bn of deposits |
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3.00% | £1 / £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. |
Additions and withdrawals permitted without penalty |
Essex based Ford Money launched in April 2017. They have consistently offered competitive ISA rates since. |
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3.15% | £1,000 / £1m | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares 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 and additions are permitted |
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. |
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3.00% | £1 / no maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs - Split ISA allowance permitted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted |
Additions allowed and three withdrawals are permitted. The interest rate drops to 1.60% if four or more withdrawals are made per calendar year. |
Harpenden Building Society looks after £260m of savings and is the 38th largest building society in the UK |
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3.00% | £1,000 / £1m | 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. |
Further additions are allowed and unlimited withdrawals are permitted. |
Unlimited withdrawals can be made from this account, which has a fixed maturity date of 2nd June 2024 Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings. |
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3.00% (includes 0.25% bonus for 12 months) | £1 / £20,000 | Branch | Branch |
| - Transfers in not accepted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted |
Withdrawals and additions are permitted |
Marcus launched in September 2018 and is part of US bank Goldman Sachs |
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2.95% | £1 / £250,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, and 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 but the interest rate drops to 2.00% if more than three withdrawals are made in a year |
Newcastle is the eighth largest building society in the UK, looking after £3.4bn of savings |
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3.20% | £1 / £500,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - Split ISA allowance - This ISA is flexible - Additional permitted ISA subscriptions are not accepted |
Addditions are permitted but rate drops to 0.75% if more than three withdrawals are made within a 12 month period. |
Birmingham based Paragon launched in 2014 and now look after over £10bn of savings. You can find out more about them in our banking directory here |
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3.10% (includes 0.40% bonus for 12 months) | £1 / £20,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares 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 and further additions are permitted |
Principality is the 6th largest building society in the UK, looking after £7.6bn of savings |
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3.00% (includes 0.25% bonus for 12 months) | £1 / £20,000 | Branch | Branch |
| - Transfers in not accepted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted |
Withdrawals and additions are permitted |
Saga savings relaunched in October and is now part of Marcus by Goldman Sachs which has over 700,000 customers in the UK with £21bn of balances |
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3.20% | £500 / No Max | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, cash LISAs, Stocks & Share LISAs and Help To Buy ISAs - Split ISA allowance not permitted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted |
Withdrawals and additions permitted |
Santander is one of the top seven savings providers, by size, in the UK |
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3.17% | £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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3.15% | £100 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs and 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 and additions are permitted |
Teachers is based in Bournemouth and was founded in 1966 to help teachers get on to the property ladder. It is one of the UK's smallest building societies and looks after £274m of savings. Teachers and education professionals can get a higher rate of 3.20% for this account. |
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3.00% | £1 / £2m | 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 permitted but only three withdrawals per calendar year. Once three withdrawals have been made, the rate falls to 0.75% Further additions are allowed. |
This account is open to existing Virgin Money current account customers but it is possible to open a current account, or switch to Virgin, 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. |