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
z Al Rayan Bank	1.00%	£50 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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.
Find out more	0.71%	£100 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	Leeds Building Society savings accounts have been awarded the Fairer Finance Gold Ribbon (Spring 2022). Manage your money conveniently online with the Limited Issue Online Access ISA. Take advantage of your tax-free savings allowance – this means that interest payable is exempt from income tax.	Unlimited withdrawals can be made without notice or loss of interest, subject to minimum balance being maintained. This account is limited issue. The account may be closed for further deposits at any time. This will be done on a minimum of 30 days’ written notice, after which you will not be able to deposit further funds Please remember that withdrawals from ISA’s result in a loss of tax free status on the amount withdrawn.	Unlimited withdrawals can be made from this account, which has a fixed maturity date of 31st July 2023. Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.
Charter Savings Bank	0.90%	£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Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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	1.25%	£1 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually Monthly interest paid the last day of the month	- 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	Additions and withdrawals are permitted	Competitive rate from Coventry Building Society which is the 2^nd largest building society in the UK looking after £38.2bn of deposits
Cynergy	1.31%	£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	1.00%	£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	0.90%	£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
Marcus	1.30% (includes 0.25% 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 This account includes a bonus rate of 0.25% for 12 months. We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion.
Nationwide	1.00%	£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
Paragon Bank	1.35%	£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
Saga	1.30% (includes 0.25% 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. This account includes a bonus rate of 0.25% for 12 months. We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion.
Sainsburys Bank	1.22%	£500 / £2m	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 - 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	Sainsburys was the first supermarket bank to open in the UK in 1997 and looks after £6.6bn of savings
A Scottish Building Society	0.90%	£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.
Apply Now	0.92%	£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 subject to the loss of 180 days of interest 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	1.05%	£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	Skipton is the 4th largest building society in the UK and looks after £19.4bn of deposits.
Virgin Money	1.30%	£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.	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.
Yorkshire Building Society	1.10% (£50,000+) 1.05% (£10,000+) 1.00% (£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	Unlimited withdrawals and additions	Yorkshire are the 3rd largest building society in the UK and look after £30.7bn 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