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ISA Easy Access

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
Al Rayan Bank
0.60% £50 / No maximum

Branch
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Branch
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Post
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  • Paid Away or Compounded
  • Paid Quarterly

- 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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 and additions are permitted without penalty.

Al Rayan launched ISAs in 2015.  They are a Sharia bank so this account pays expected profit, rather than interest, to meet Sharia law requirements.  Those savers comfortable with this are likely to be attracted by the variety of channels to open and manage their account.

Bath Building Society
0.60% £1 / No max

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Telephone

Branch
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Post
Telephone

  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st December

- Transfers in accepted from: Cash ISAsonly

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Competitive rate from Bath Building Society, which looks after around £300m of savings.

This account may appeal to savers who prefer managing an account by post rather than the internet

Charter Savings Bank
0.50% £5,000 / £1.5m

Branch
App
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Telephone

Branch
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Telephone

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Cynergy
0.90% £1 / No max

Branch
App
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Post
Telephone

Branch
App
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Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 31st March

- Transfers in accepted from: Cash ISAsonly

- 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

Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings

Gatehouse Bank
0.60% £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid On Maturity

- 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.

Kent Reliance
0.60% £1,000 / No maximum

Branch
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Telephone

Branch
App
Internet
Post
Telephone

  • 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 additions allowed

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

NS&I
0.90% £1 / £2m

Branch
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Branch
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Telephone

  • Paid Annually
  • Added to the account
  • Paid 6th April

- Transfers in are not accepted

- 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

National Savings & Investments is not a bank but is backed by the UK government and therefore is 100% safe.  It is one of the largest savings providers in the UK, looking after £167bn of savings with over 25 million customers.

Paragon Bank
0.50% £1 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • 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

Additions and withdrawals are permitted without penalty and with flexibility

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

Principality Building Society
0.55% £1 / £20,000

Branch
App
Internet
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Branch
App
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Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 6th April

- 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

Scottish Building Society
0.60% £1 / 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

Withdrawals and additions allowed

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
0.50% £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • 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

This is the best paying easy access ISA account in the market from Essex based Shawbrook, who launched in 2011 and look after over £6bn of deposits.

Yorkshire Building Society
0.55% (£10,000+)
0.40% (£1,000+)
£1 / No max

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st March

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Lifetime ISAs

- Split ISA Allowance is not permitted

- 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 additions permitted

Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

About The Savings Guru

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