ISA Easy Access
| Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | ISA Information | ISA Access | SG Verdict |
|---|---|---|---|---|---|---|---|---|
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4.03% | £100 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Help to Buy ISAs - Split ISA allowance - This ISA is flexible - Additional permitted ISA subscriptions are not accepted |
Two withdrawals are permitted per year but rate reduces to 2.00% AER for the remainder of the anniversary year if customer makes three or more withdrawals. Interest rate and withdrawal allowance resets on the anniversary of account opening. Further additions are allowed |
Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here |
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4.15% | £100 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Help to Buy ISAs - Split ISA allowance - This ISA is flexible - Additional permitted ISA subscriptions are not accepted |
One withdrawal is permitted per year but rate reduces to 2.00% AER for the remainder of the anniversary year if customer makes two or more withdrawals. Interest rate and withdrawal allowance resets on the anniversary of account opening. Further additions are allowed |
Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here |
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4.52% | £1 / No maximum | Branch | Branch |
| This ISA is provided by Hargreaves Lansdown with deposits placed with Shawbrook Bank. The ISA is offered on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies. |
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4.00% | £1,000 / No maximum | Branch | Branch |
| Transfers in not accepted |
Additions and withdrawals permitted |
This ISA is provided by UBL Bank on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies. |
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4.48% (includes bonus of 1.94% for 12 months) | £1 / £85,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help To Buy ISAs - Rate when transfering in your existing ISA is 4.00% (2.54% plus 1.46% 12 month bonus) - Split ISA allowance - This ISA has been made flexible since 31st March 2026 - Additional permitted ISA subscriptions are not accepted |
- Additions and withdrawals allowed |
Plum is a smart money app that can help customers budget and save using automation. Plum already has more than 1.9 million customers with over £2bn of savings The rate of 4.48% comprises an underlying rate of 2.54% with a 12 month bonus of 1.94% This rate is available to new customers |
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4.25% | £0 / £20,000 | Branch | Branch |
| Transfers in are not accepted |
Additions and withdrawals permitted |
Durham based Atom Bank has attracted over 20,000 customers and £3.2bn of savings since its launch in April 2016. Savers can only access Atom’s products via their mobile app |
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4.10% | £100 / £2m | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy 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 |
- Two penalty free withdrawals with further ones permitted but subject to the loss of 120 days of interest
|
Competitive rate for this new Double Access ISA from Cambridge, which is the 13th largest building society in the UK looking after over £1.24bn of deposits, and who are one of the few providers to have their own savings app |
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4.11% | £1 / £1.5m | Branch | Branch |
| - 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 |
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4.00% | £1 / No Maximum | Branch | Branch |
| - 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 |
Five withdrawals are permitted each year without penalty but, from the sixth withdrawal onwards, a charge of 50 days interest will be applied. Each 'year' starts from the anniversary of opening the account.
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Competitive rate from Coventry Building Society which is the 2nd largest building society in the UK looking after £38.2bn of deposits |
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4.15% | £1 / No max | Branch | Branch |
| - 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 |
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4.16% | £1,000 / £1m | Branch | Branch |
| - 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 1st September 2027 Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings. |
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4.01% (includes 0.74% bonus for 12 months) | £1 / £20,000 | Branch | Branch |
| - 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 |
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4.45% (includes bonus of 1% for 12 months) | £500 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Help to buy ISAs and Lifetime 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 |
Additions are allowed. Three withdrawals are permitted however, after the fourth withdrawal in a year after opening, the rate will drop to 0.75%. This restriction resets yearly on the date the ISA is opened. |
Moneybox launched its investment app in August 2015 and launched a cash LISA in April 2020. Moneybox is not a bank and therefore uses a range of banks for its Cash ISA. The proportion of money held with each bank can vary over time. However, they will never hold more than 50% of the total funds with a single bank at any given moment. The banks they use change over time but those currently used are:
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4.34% (includes bonus of 0.60% for 12 months) | £10,000 / £250,000 | Branch | Branch |
| - Full transfers in accepted from Cash ISAs only - This ISA is flexible
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Additions and withdrawals are permitted
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This ISA is only available to new to Monument Bank customers Monument Bank launched in December 2021 and plans to target mass affluent individuals via its mobile app. Consequently, it has a higher minimum balance requirement than other savings providers. However, existing Monument savers can open this account with just £1. |
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4.00% | £1,000 / £250,000 | Branch | Branch |
| - 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 |
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4.00% | £0 / £250,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs only - This ISA is flexible |
Additions and withdrawals permitted
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A competitive rate from Tandem Bank, who acquired Harrods Bank in January 2018. |
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4.20% | £100 / No maximum | Branch | Branch |
| - 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 |
Additions are permitted but only one withdrawal is permitted per calendar year If more than one withdrawal is made per calendar year, the interest rate payable on the remaining balance for that calendar year will be equivalent to the Society's Extra Ordinary Account rate. |
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 4.25% for this account. |
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4.08% | £1,000 / £250,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs and Stocks & Shares ISAs - Split ISA Allowance not permitted - This ISA is flexible - Additional permitted ISA subscriptions are not accepted |
Additions and withdrawals allowed Lower rate of 2% paid if four or more withdrawals are made in an anniversary year. |
Vanquis Bank is part of the Provident Financial Group, which was founded in 2002 and looks after £1.68bn of deposits. You can find out more about Vanquis in our banking directory here |
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4.16% | £500 / £85,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs and Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted |
Additions and withdrawals permitted Lower rate of 2.50% paid if more than three withdrawals are made in a year |
Vida Bank was authorised in 2024 and launched its first savings products on 5th December 2024. |
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4.15% | £1 / £2m | Branch | Branch |
| - 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 |
Additions allowed Only two withdrawals per calender year permitted |
Only two withdrawals can be made per calendar year - after this no further withdrawals can be made until the next calendar year. Virgin Money is now part of Nationwide |