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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Chorley Building Society
4.50% £1 / No maximum

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Branch
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  • 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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 - Four Access
4.90% £1 / No Maximum

Branch
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Branch
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  • 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- This ISA is flexible and you be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 2nd largest building society in the UK looking after £38.2bn of deposits

Cynergy
4.70% £1 / No max

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Branch
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  • 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
4.69% £500 / £250,000

Branch
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Branch
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  • 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
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Branch
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  • 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
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Branch
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  • 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.

Marcus
4.60% (includes 0.35% bonus for 12 months) £1 / £20,000

Branch
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Branch
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  • 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
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Branch
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  • 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

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Branch
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  • 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
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Branch
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  • 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
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Branch
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  • 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
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Branch
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  • 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

Skipton Building Society - Base rate tracker
4.70% £1 / no maximum

Branch
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Branch
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  • 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.  

Virgin Money
4.76% £1 / £2m

Branch
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Branch
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  • 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.

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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