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ISA round up - 11th March

It was another good week for ISA holders with several increases to 1 Year ISA Fixed rates as providers jostled for position ahead of the tax year end. Close improved their 2 and 3 Year Fixed ISA rates as the only other significant mover. Elsewhere, rates held up and we expect similar this week - some minor moves in 1 Year ISA but otherwise more of the same. Here's our round up of the best buys and key changes in Individual Savings Accounts:

Easy Access ISA

Chip remain best buy paying 5.10%. The popular money app, whose deposits are protected via Clear Bank, lead the way ahead of Zopa Bank who pay 5.08% - although this includes a bonus of 0.50% until 6th April 2025. Next are Virgin Money, who pay 5.06%, although this account pays a lower rate of 2% if more than three withdrawals are made in a calendar year. Charter Savings Bank pay 5.03%, just ahead of Kent Reliance and Harpenden Building Society, both tied at 5.01%. There are three providers at 5% - Cynergy, Family Building Society and Principality all level. Cynergy pay a straight 5% but Family's account is a market tracker which is reviewed quarterly - with rates potentially falling back, this could be a good option. Principality Building Society's rate includes a whopping 0.96% bonus for 12 months though.

Notice ISAs

West Brom Building Society are still the best buy with their 60 Day Notice ISA paying 5.10%. Furness Building Society are next with their 90 Day Notice paying 5.01%, following the withdrawal of Chorley's 150 Day Notice ISA. Teacher's Building Society are third paying 5% for 120 Days and Loughborogh Building Society pay 4.75% for 120 Day's Notice. 

1 Year ISA

Virgin Money lead the way paying 5.25% - but savers must have, or open, a Virgin Money current account to get that rate. Oaknorth are next, as they increased their rate to 5.06%, to move ahead of Aldermore Bank who have increased to 5.05% as have Castle Trust Bank. Shawbrook and Kent Reliance are both up to 5.03% and United Trust Bank are also up, to 5.02%. There's a trio at 5% as Zopa, Charter Savings and Close Brothers all offer the same rate.

2 Year ISA

UBL Bank remain leaders paying 4.70%, although they have been joined by Close Brothers, who increased last week, and OakNorth. They are ahead of Shawbrook Bank at 4.69%, and Zopa Bank who pay 4.67%. Aldermore Bank pay 4.65% alongside United Trust Bank, who also pay 4.65%. Hodge Bank pay 4.62% with Furness Building Society offering 4.60% and Castle Trust Bank completing the top ten at 4.55%.

3 Year ISA

Aldermore Bank remain at the summit with a best buy rate of 4.50%. Close Brothers are up to second, improving their rate to 4.40%, to move ahead of UBL Bank, who pay 4.39%. Shawbrook Bank offer 4.38%, marginally ahead of Hodge Bank, who pay 4.36% and United Trust Bank, who increased to 4.35% last week. Hampshire Trust Bank pay 4.30% alongside Castle Trust Bank. Zopa Bank pay 4.21% and Principality Building Society complete the top 10 at 4.20%.

5 Year ISA

UBL Bank are still best buy at 4.16%, with Close Brothers just behind at 4.15%. United Trust Bank pay 4.05% and Principality Building Society offer 4.02% with Zopa Bank tied at 4.01% with Hodge Bank. Castle Trust Bank and Furness Building Society both pay 4%.

Lifetime ISA

Moneybox pay a best buy 4.40% - but their rate does include a 0.90% bonus for 12 months. Tembo, who have bought Nude Finance, pay 4.30% and had briefly topped the charts before being usurped by Moneybox again. 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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