Receive the Savings Guru's updates straight to your inbox

ISA round up - 29th April

There was very little change in the best buy tables last week. The main moves were Shawbrook and OakNorth upping a single basis point on their 1 Year ISA rates and Aldermore Bank and Secure Trust coming back in to the fixed ISA market With financial markets looking more stable, we are expecting another quiet week with minor adjustments to pricing and no significant changes. If you are undecided whether to use your ISA allowance in cash or stocks and shares ISAs this tax year, there's a handy guide on Hargreaves Lansdown's website to inform your thinking. 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 May 2025. Cynergy Bank pay 4.90% ahead of Family Building Society's Market Tracker ISA, which pays 4.86%. Kent Reliance pay 4.82%, Charter Savings pay 4.81% and Virgin Money offer 4.76%. There's a cluster of providers at 4.75%.

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 in third paying 5% for 120 Days with the next best then at 4.50% - well below easy access best buys.

1 Year ISA

Virgin Money remain best buy at 5.05% - but savers need to have or open a Virgin current account to get this rate. However, given the next best is Shawbrook's 4.72%, who upped their rate last week by a single basis point, there's a strong financial incentive to do so. OakNorth also increased by one basis point to 4.71%. There's three providers paying 4.70% - Charter Savings, Cynergy and Close Brothers all paying the same rate. Zopa Bank and United Trust Bank lead a plethora of providers at 4.65%.

2 Year ISA

OakNorth lead the way paying 4.62% ahead of Shawbrook at 4.61%. Secure Trust Bank rejoined the market in third paying 4.60%. Aldermore Bank are also back in at 4.50% - they move alongside Zopa, Close Brothers and Ford Money. United Trust Bank, Castle Trust Bank and Hodge completed the top ten - all paying 4.45%.

3 Year ISA

OakNorth Bank with Shawbrook Bank are tied for the best buy position, both paying 4.40%. Secure Trust Bank rejoin paying 4.35% before a drop to Castle Trust Bank offering 4.25%. Zopa Bank are fifth paying 4.21% with UBL Bank and Close Brothers narrowly behind at 4.20%. United Trust Bank, Leeds Building Society and Hodge all pay 4.15% to complete the top 10.

5 Year ISA

Shawbrook lead the way with a best buy rate of 4.17%, ahead of long time leader UBL Bank at 4.16%. Close Brothers pay 4.05% and Zopa Bank offer 4.01% as there are just four only providers above 4%. Halifax pay 4% and Castle Trust and Hodge pay 3.95%.

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%.

About The Savings Guru

We help savers get the best deal for their money by providing unique insight in to the savings market.  We help prospective banks apply for a banking licence and we help build customer services, products and marketing for them.  We also work with existing banks and building societies to improve their savings propositions.  This  insider view of savings means we are uniquely placed to help savers.

Find out moreMeet the Team

Ask the Guru a Question


Your Name:*
Your E-mail:*
Your Question*
Verification: