ISA Easy Access
Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | ISA Information | ISA Access | SG Verdict |
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1.00% | £50 / No maximum | 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in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 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. |
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0.71% | £100 / No maximum | Branch | Branch |
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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. |
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0.90% | £5,000 / £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Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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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1.25% | £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ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is flexible and you be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 |
Additions and withdrawals are permitted
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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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1.31% | £1 / No max | Branch | Branch |
| - 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 |
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1.00% | £1 / £2m | Branch | Branch |
| - 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. |
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0.90% | £1,000 / No maximum | Branch | Branch |
| - 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 |
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1.30% (includes 0.25% 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 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. |
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1.00% | £1 / No max | Branch | Branch |
| - 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 |
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1.35% | £1 / £500,000 | Branch | Branch |
| - 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 |
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1.30% (includes 0.25% 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 |
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. |
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1.22% | £500 / £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 |
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 |
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0.90% | £1 / No maximum | Branch | Branch |
| - 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. |
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0.92% | £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 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 |
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1.05% | £1 / no maximum | Branch | Branch |
| - 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. |
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1.30% | £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 |
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. |
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1.10% (£50,000+) 1.05% (£10,000+) 1.00% (£1,000+) | £1 / No max | Branch | Branch |
| - 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. |