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ISA round up - 23rd October

Fixed rate ISAs continue to fall back, although the headline best buy from Virgin Money, 5.85% on their 1 Year ISA, still remains. We don't see it surviving the week though as it is now so far ahead of competitors who continue to cut back. Zopa Bank are the new easy access best buy as easy access ISAs continued to nudge upwards.  We think they are done for now - at least until the Base Rate decision on 2nd November - as there looks little room for further rises. Here's our round up of the best buys and key changes in the Individual Savings Account markets:

Easy Access ISA

Zopa Bank are the new best buy paying a market leading 5.08%, but for new subscriptions only. Cynergy Bank are next best, following their increase to 5.07%, which moved them ahead of Virgin Money at 5.06%. The Virgin account pays a lower rate of 2% if more than three withdrawals are made in a calendar year. Next is Coventry Building Society, who pay 5.05% for its Four Access ISA (which allows four withdrawals a year before interest penalties for further withdrawals).  There's a drop then to Shawbrook who pay 4.93% and Charter Savings Bank at 4.91% , alongside Sainsbury's Bank. There's another large drop then to Kent Reliance at 4.82% and Leeds Building Society at 4.80%.

Notice ISAs

There's a three way tie at the top with West Brom Building Society and Stafford Railway Building Society paying 5.25% for 60 Days' Notice.  Teacher's Building Society also pays 5.25% but wants 180 Days' Notice for this and 120 Days in return for 5%. Chorley Building Society are third with their 150 Day Notice paying 5.05%.  Loughborough Building Society pay 5% for 180 Days Notice and 4.75% for 120 Day Notice. Melton Building Society pay 5.05% but isn't included in our tables as it is only accessible via their branches. With several easy access ISA rates now above 5%, no other notice accounts warrant consideration in our view.

1 Year ISA

Virgin Money still lead the way at 5.85% - savers must have or open a Virgin Money current account to get this rate - but this is on borrowed time now with the gap to the next providers increasing, so move quickly if this appeals. Castle Trust Bank are back in the market at 5.75%, ahead of UBL Bank's 5.70%.  Charter Savings Bank cut their rate down to 5.67% and Kent Reliance followed, down to 5.66% in their case. Close Brothers, NatWest, United Trust Bank and OakNorth all pay 5.65% to complete the top 10.

2 Year ISA

NatWest pay a best buy 5.65% ahead of Zopa 5.61%. UBL Bank pay 5.60% alongside Castle Trust Bank, Monmouthshire Building Society, United Trust, Close Brothers, and Secure Trust in a tightly packed top group. OakNorth complete the top 10 at 5.53%.

3 Year ISA

Zopa pay a best buy 5.37% ahead of Secure Trust at 5.36% and Close Brothers, Castle Trust Bank and United Trust Bank who all pay 5.35%. Principality Building Society pay 5.30% before a drop to Cynergy at 5.15% and Leeds Building Society at 5.10%.

5 Year ISA

Zopa Bank pay a best buy 5.05% ahead of UBL Bank at 5.01% alongside Secure Trust.  United Trust pay 4.95% alongside Close Brothers as all other providers are now sub 5%.

Lifetime ISA

Moneybox pay a best buy 4.25% - but their rate does include a 0.75% bonus for 12 months.  Nude Finance pay 3.80% but their rate comes with a £2 monthly fee.  Bath Building Society are at 3.79% ahead of Paragon Bank at 3.51%. Beehive Money are just behind at 3.50%. Skipton Building Society pay 3.25% and Newcastle Building Society are lagging at 3%.

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