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ISA round up - 2nd April

The end of the tax year is on Friday so this is the last week to use your £20,000 annual ISA allowance. Some providers have already closed to new accounts this week to ensure they can process everything ahead of the tax year end and we expect to see more providers pause to new applications this week as well as further cuts. The best buy 1 Year from Virgin has finally gone having dominated the best buy spot all year. However, there are still some great rates to be had before this years tax year finishes. 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 Charter Savings Bank who pay 5.03% via Hargreaves Lansdown's Active Savings platform and direct, as do Kent Reliance. Principality Building Society pay 5% but their rate includes a whopping 0.96% bonus for 12 months though. Cynergy Bank's 5% rate has gone until the new tax year. Paragon Bank's Double Access ISA pays 4.95% and Family Building Society's Market Tracker ISA gets a cut to 4.86%.

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

There's a three way tie at the top with Castle Trust Bank, Charter Savings and Close Brothers all paying 5.05%. They are just ahead of Kent Reliance and Oaknorth who both pay 5.04%. United Trust Bank offer 5.02% and Aldermore Bank pay 5% as do Zopa Bank. Paragon Bank cut to 4.90% with all other providers at 4.80% or less.

2 Year ISA

UBL Bank remain leaders paying an improved 4.71% alongside OakNorth. Close Brothers pay 4.70% ahead of Zopa Bank who offer 4.67% and United Trust Bank at 4.65%. Furness Building Society offer 4.60% as do Principality Building Society with Paragon Bank just behind at 4.59%.

3 Year ISA

Aldermore Bank remain at the summit with a best buy rate of 4.40% alongside Close Brothers. They are ahead of UBL Bank, who pay 4.39%, and Shawbrook Bank who offer 4.38%. United Trust Bank offer 4.35%. Castle Trust Bank and Principality Building Society pay 4.30% with Zopa Bank offering 4.21%.

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 at 4.01%. 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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