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ISA Easy Access

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
 Chip
5.10% £1 / £20,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly

- Transfers in not accepted 

- This ISA is flexible

Additions and withdrawals are permitted

All money deposited in the Chip ISA is held by the UK authorised bank ClearBank and is eligible for the Financial Services Compensation Scheme (FSCS)

Cynergy
5.00% £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 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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 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

Family Building Society - Market tracker
4.86% £500 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 30th September

- Transfers in accepted from: Cash ISAs only

- This ISA is flexible

- Additional permitted ISA subscriptions are not accepted

Withdrawals and additions allowed

The interest rate on this ISA Market Saver account is reviewed quarterly to ensure it remains competitive and avoids the need for savers to continuously shop around.

Family is part of National Counties Building Society, the 11th largest Society in the UK, looking after over £2bn of savings.

Harpenden Building Society
4.80% £1 / £250,000

Branch
App
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Post
Telephone

Branch
App
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Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 5th April

- Transfers in accepted from: Cash ISAs

- Split ISA allowance not permitted

- This ISA is not flexible

- Additional permitted ISA subscriptions are not accepted

Additions and withdrawals permitted

Harpenden Building Society looks after £260m of savings and is the 38th largest building society in the UK

Kent Reliance
4.95% £1,000 / No maximum

Branch
App
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Post
Telephone

Branch
App
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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

Leeds Building Society
4.75% £1,000 / £1m

Branch
App
Internet
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Telephone

Branch
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Post
Telephone

  • Paid On Maturity

- 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 5th May 2026

Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.

Marcus
4.75% (includes 0.49% bonus for 12 months) £1 / £20,000

Branch
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Post
Telephone

Branch
App
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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

Principality Building Society
5.00% (includes 0.90% 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
4.75% (includes 0.49% bonus for 12 months) £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

Virgin Money - existing c/a holders
4.76% £1 / £2m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account

- 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

Additions and withdrawals allowed

This account is only available for existing or new Virgin Money current account holders - non-customers may feel it is worth opening one 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.

Zopa
5.08% £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

 

Additions and withdrawals are permitted

 

The rate comprises a 4.58% underlying rate with a 0.50% bonus which will be paid until 6th May 2025.

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

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.

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