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ISA round up - 30th October

Zopa Bank are the easy access best buy as easy access ISAs were stable ahead of this Thursday's decision on the Base Rate. Fixed Rate ISAs were relatively stable too with just a few rate cuts during the week but otherwise largely holding up. NatWest's withdrawal from the 2 Year market on Wednesday evening could trigger a fall back in that market but we think providers will take stock of Thursday's Base Rate decision before acting. Here's our round up of the best buys and key changes in the Individual Savings Account markets:

Easy Access ISA

Zopa Bank continue to lead the market paying 5.08%, but for new subscriptions only. Cynergy Bank are next best at 5.07%, 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. 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 fourth 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 looks increasing unsustainable now with a big gap back to second - UBL Bank's 5.70%.  Charter Savings Bank pay 5.67% and both Kent Reliance and Secure Trust pay 5.66% with a trio at 5.65% - NatWest, United Trust and Close Brothers.

2 Year ISA

NatWest pay a best buy 5.65% but this closes to new customers at 5pm on 1st November so move quickly to secure this as we don't expect it to be beaten. Zopa Bank are next at 5.61% with UBL Bank paying 5.60% alongside Castle Trust Bank, Monmouthshire Building Society, United Trust and Close Brothers. West Brom Building Society pay 5.52% and Scottish Building Society offer 5.51%.

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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