ISA Easy Access | The Savings Guru

ISA Easy Access

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	ISA Information	ISA Access	SG Verdict
Charter Savings Bank	2.30%	£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Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 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
Coventry Building Society	2.25%	£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ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is flexible and you be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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.	Competitive rate from Coventry Building Society which is the 2^nd largest building society in the UK looking after £38.2bn of deposits
Cynergy	2.50%	£1 / No max	Branch App Internet Post Telephone	Branch App Internet 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31st March	- Transfers in accepted from: Cash ISAsonly - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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
Apply Now	1.90%	£1 / £2m	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, 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.
Kent Reliance	2.43%	£1,000 / No maximum	Branch App Internet Post 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	This is a limited edition account and can be withdrawn at any time. We recommend savers move quickly if they want to secure this rate! 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
s Marcus	2.25%	£1 / £20,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Compounded	- 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
Nationwide	2.50%	£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 flexible - Additional permitted ISA subscriptions are not accepted	Addditions are permitted but rate drops to 0.01% if more than three withdrawals are made during the 12 month term	Nationwide are the largest building society and one of the top seven savings providers in the UK by value of deposits managed
Newcastle Building Society	2.00%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	- 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 0.75% 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
OakNorth Bank	2.00%	£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	Additions and withdrawals permitted	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
Paragon Bank	2.30%	£1 / £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, Stocks & Shares ISAs - Split ISA allowance - This ISA is flexible - Additional permitted ISA subscriptions are not accepted	Addditions are permitted but rate drops to 0.25% if more than three withdrawals are made within a 12 month period.	Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings. You can find out more about them in our banking directory here
Principality Building Society	2.50% (includes 0.40% bonus for 12 months)	£1 / £20,000	Branch App Internet Post Telephone	Branch App Internet 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
Saga	2.25%	£1 / £20,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Compounded	- 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
b Scottish Building Society	2.50%	£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.
Teachers Building Society	2.35%	£100 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 5th April	- 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 2.40% for this account.
z Virgin Money	3.00%	£1 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually Annual interest paid 5th August Monthly interest paid the last day of the month	- 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.

About The Savings Guru

We help savers get the best deal for their money by providing unique insight in to the savings market. We help prospective banks apply for a banking licence and we help build customer services, products and marketing for them. We also work with existing banks and building societies to improve their savings propositions. This insider view of savings means we are uniquely placed to help savers.

Find out more Meet the Team

Ask the Guru a Question