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ISA Easy Access

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	ISA Information	ISA Access	SG Verdict
Charter Savings Bank	4.75%	£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Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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
z Chorley Building Society	4.50%	£1 / 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, 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& Shares ISAs - Split ISA allowance is not permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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	Additions are allowed. Two withdrawals are permitted. If three or more withdrawals are made within the account year, the interest rate drops to 1.95%.	Chorley was founded in 1859 and is one of the smallest building societies in the UK, looking after £235m of savings
Coventry Building Society	4.90%	£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ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is flexible and you be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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	Four withdrawals are permitted each year without penalty but, from the fifth 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	4.70%	£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	4.69%	£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.
Gatehouse Bank	4.65%	£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.
Leeds Building Society	4.80%	£1,000 / £1m	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 - 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 30th November 2025 Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.
s Marcus	4.60% (includes 0.35% 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	Marcus launched in September 2018 and is part of US bank Goldman Sachs
Newcastle Building Society	4.75%	£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 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
OakNorth Bank	4.75%	£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
Principality Building Society	4.50% (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	4.60% (includes 0.35% 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
Shawbrook Bank	4.81%	£1,000 / £250,000	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 - 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 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
a Skipton Building Society	4.70%	£1 / no maximum	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 - This ISA is flexible and you are able to re-deposit withdrawn funds - Additional permitted ISA subscriptions are not accepted	- Withdrawals and additions are permitted	This account tracks the Bank of England Base minus 0.55% for 24 months. Skipton is the 4th largest building society in the UK and looks after £21bn of deposits.
a Virgin Money	4.76%	£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 and 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.

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