ISA Easy Access

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 HL Active Savings - Coventry Building Society
3.00% £1 / No maximum

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  • Paid Monthly
  • Added to the account

£100 cashback for new or existing Active Savings customers who open an ISA between 14 February 2023 and 3 May 2023 and put in a minimum of £10,000.  Cashback paid by 24th May.  Terms & Conditions Apply.

This ISA is provided by Coventry Building Society 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.

Six withdrawals are permitted each year without penalty but, from the 7th withdrawal onwards, a charge of 50 days interest will be applied.  Each 'year' starts from the anniversary of opening the account.

Charter Savings Bank
2.95% £5,000 / £1.5m

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Coventry Building Society - Six Access
3.00% £1 / No Maximum

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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- This ISA is flexible and you be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Six withdrawals are permitted each year without penalty but, from the 7th 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

Ford Money
3.00% £1 / £2m

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  • 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.

Gatehouse Bank
3.15% £1,000 / £1m

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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.

Harpenden Building Society
3.00% £1 / no maximum

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  • Paid Annually
  • Paid 31st December
  • Added to the account

- Transfers in accepted from: Cash ISAs

- Split ISA allowance permitted

- This ISA is not flexible

- Additional permitted ISA subscriptions are not accepted

Additions allowed and three withdrawals are permitted.  The interest rate drops to 1.60% if four or more withdrawals are made per calendar year.  

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

Leeds Building Society
3.00% £1,000 / £1m

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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 2nd June 2024

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

Marcus
3.00% (includes 0.25% bonus for 12 months) £1 / £20,000

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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
2.95% £1 / £250,000

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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

Paragon Bank - Triple Access
3.20% £1 / £500,000

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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

- This ISA is flexible

- Additional permitted ISA subscriptions are not accepted

Addditions are permitted but rate drops to 0.75% if more than three withdrawals are made within a 12 month period.

Birmingham based Paragon launched in 2014 and now look after over £10bn of savings.

You can find out more about them in our banking directory here

Principality Building Society
3.10% (includes 0.40% bonus for 12 months) £1 / £20,000

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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
3.00% (includes 0.25% bonus for 12 months) £1 / £20,000

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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

Santander
3.20% £500 / No Max

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  • Paid Annually
  • Added to the account
  • Paid 31st March

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, cash LISAs, Stocks & Share LISAs and Help To Buy ISAs

- Split ISA allowance not permitted

- This ISA is not flexible

- Additional permitted ISA subscriptions are not accepted

Withdrawals and additions permitted

Santander is one of the top seven savings providers, by size, in the UK

Shawbrook Bank
3.17% £1,000 / £250,000

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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 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

Teachers Building Society
3.15% £100 / No maximum

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

- 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

Withdrawals and additions are permitted

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 3.20% for this account.

Virgin Money
3.00% £1 / £2m

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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 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.

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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