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ISA round up - 18th March

There were few changes last week with only two changes in the top 15 easy access providers and all fixed rate best buys remaining in tact. The main movements were in the 1 Year ISA market where Kent Reliance moved up to second and the top ten all now pay north of 5%. We expect little change this week, ahead of the Base Rate decision from the Bank of England on Thursday. Our view is the market will stay static this week with any changes or guidance being responded to by movements next week. 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 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. Paragon Bank increased the rate on its Double Access ISA to 4.95% and Harpenden Building Society cut from 5.01% to 4.80% in the only moves impacting the top 15.

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%, just ahead of Teacher's Building Society ion 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. Kent Reliance are next, paying 5.07% following their increase on Friday. They move ahead of Oaknorth at 5.06%, Aldermore Bank at 5.05% and Castle Trust Bank. Close Brothers, Charter Savings and Paragon all increased to 5.05% late last week. Shawbrook remain at 5.03% and United Trust Bank stay at 5.02% to complete the top 10.

2 Year ISA

UBL Bank remain leaders paying 4.70% alongside Close Brothers 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 and Secure Trust Bank, who increased their rate last week. Hodge Bank pay 4.62% with Furness Building Society offering 4.60% to complete the top ten.

3 Year ISA

Aldermore Bank remain at the summit with a best buy rate of 4.50%. Close Brothers are second at 4.40%, 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 offer 4.35%Hampshire Trust Bank pay 4.30% alongside Castle Trust Bank and Principality Buidling Society.

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, Furness Building Society, Halifax and Paragon all 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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