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ISA 1 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
Al Rayan Bank
0.40% £1,000 / No maximum

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  • Paid Away or Compounded
  • Paid Quarterly

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals are not permitted

Further additions allowed for up to 30 days after the account is opened

Al Rayan launched ISAs in 2015.  They are a Sharia bank so this account pays expected profit, rather than interest, to meet Sharia law requirements.  Those savers comfortable with this are likely to be attracted by the variety of channels to open and manage their account.

Charter Savings Bank
0.45% £5,000 / £1.5m

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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- Split ISA Allowance permitted

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals allowed subject to the loss of 90 days of interest

Further additions allowed for up to 30 days after the account is opened

Wolverhampton based Charter Savings is part of Chartercourt Financial Services, which launched in 2015, and has recently merged with One Savings Bank, which has a combined £16.3bn of savings balances

Ford Money
0.37% £500 / £2m

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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help To Buy ISAs

- This ISA flexible and it is possible to split your allowance.

- Additional permitted ISA subscriptions are not accepted.

Withdrawals allowed subject to 90 days loss of interest.

Further additions allowed only in the 14 days after opening.

Essex based Ford Money launched in April 2017.  They have consistently offered competitive ISA rates since.

Gatehouse Bank
0.40% £1,000 / £1m

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  • Paid Away or Compounded
  • Paid On Maturity

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs

- This ISA is not flexible and you will not be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals are permitted but will result in a loss of 90 days profit

Initial deposit must be received within 14 days to guarantee the rate and the account will be closed if no deposits are received within 45 days of opening.

Gatehouse launched ISAs in April 2020.  They are a Sharia bank so this account pays expected profit, rather than interest, to meet Sharia law requirements.  The Bank looks after £318m of savings.

Hodge Bank
0.40% £1,000 / No Maximum

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  • Paid Monthly
  • Paid Annually
  • Interest paid annually is compounded. Interest paid monthly paid away.

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

- Additional permitted ISA subscriptions are not accepted

Withdrawals allowed subject to the loss of 90 days of interest

Once you have funded the account, no further additions are allowed

Hodge bank is based in South Wales and was authorised in 1987 and looks after just under £1bn of deposits.

Leeds Building Society
0.40% £100 / No maximum

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  • Paid On Maturity

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help To Buy ISAs

- Split ISA Allowance not permitted

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

Withdrawals can be made subject to the loss of 60 days interest

Additions can be made up to 30th November 2020

This account has a fixed maturity date of 30th November 2021.

Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.

Post Office Money
0.40% £500 / No maximum

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  • Paid on Anniversary
  • Paid Annually
  • Added to the account

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Help To Buy ISA

- Split ISA allowance permitted

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted.

Withdrawals not permitted.  Early access only permitted by closure, which is subject to a 90 days loss of interest breakage charge.

Further additions allowed only in the 14 days after opening.

The best paying 1 Year ISA account in the market from Post Office Money, which is owned by Post Office Ltd.  Post Office Money launched in 2015 after the post office ceased being an agent for National Savings & Investments.  Savings in Post Office Money cash ISAs are placed with the Bank of Ireland UK.

Shawbrook Bank
0.40% £1,000 / £250,000

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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs

 

- Additional permitted ISA subscriptions are not accepted

Withdrawals allowed subject to the loss of 180 days of interest

Further additions allowed while product remains open

Essex based Shawbrook launched in 2011 and look after over £7bn of deposits.

UBL
0.40% £1,000 / No maximum

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  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually
  • Paid On Maturity
  • Paid Quarterly

- Transfers in accepted from: Cash ISAs only

- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

- Withdrawals are permitted subject to the loss of 90 days interest

- Additions are not allowed, only one initial deposit is permitted

United Bank UK was formed in 2001 from the merger of two Pakistani banks.  It has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London.

Yorkshire Building Society
0.45% £100 / No max

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  • Paid Away or Compounded
  • Paid Annually
  • Paid 30th June

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs and Lifetime ISAs

- Split ISA Allowance is not permitted

- This ISA is flexible and you are able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.

- Additional permitted ISA subscriptions are not accepted

Withdrawals are not permitted but early closure is allowed, subject to the loss of 60 days interest.

Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

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