ISA 1 Year Fixed | The Savings Guru

ISA 1 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	ISA Information	ISA Access	SG Verdict
Apply Now	3.60%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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Quarterly	- Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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.
Barclays	4.00%	£1 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	- Transfers in accepted from: Cash ISAs and Stocks & Shares ISAs only - This ISA is flexible and you are able to re-deposit withdrawn funds if the re-deposit amount doesn't take you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	- Additions are permitted - Three withdrawals are premitted during the term of this 1 Year Flexible Cash ISA. The maximum value per withdrawal is 10% of your balance at the time the withdrawal is made. - Transfers out and closures are permitted subject to the loss of 90 days interest	Barclays is one of the largest savings providers in the UK.
Cambridge Building Society	3.65%	£500 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid 31st December	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 permitted but are subject to the loss of 120 days of interest - Once opened, you may invest all or part of your 2019/2020 ISA subscription limit of £20,000 and all or part of your 2020/2021 ISA subscription limit of £20,000. Once opened, the initial investment can be added to during the 2019/2020 and 2020/2021 tax years only. Additional funds can’t be added to the account during subsequent tax years.	- Competitive rate from Cambridge, which is the 13th largest building society in the UK looking after over £1.24bn of deposits, and who are one of the few providers to have their own savings app
Charter Savings Bank	3.78%	£5,000 / £1.5m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 launched in 2015. It is now part of One Savings Bank which looks after a combined £16.6bn across its Charter Savings and Kent Reliance savings brands
Coventry Building Society	3.80%	£1 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 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 not permitted but early closure can be made with the loss of 120 days of interest Further additions allowed for 14 days after the account is opened, or for as long as the product is open, whichever is longer	Competitive rate from Coventry Building Society which is the 2^nd largest building society in the UK looking after £38.2bn of deposits This product has a fixed maturity of 31st May 2024
Cynergy	3.68%	£500 / No max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 31st March	- 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 not permitted but early closure is allowed subject to the loss of 180 days interest.	Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings
Z Gatehouse Bank	3.70%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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	3.59%	£1,000 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 over £1bn of deposits.
Find out more	3.75%	£100 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 and including 31st March 2023	This account has a fixed maturity date of 1st April 2024 Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.
OakNorth Bank	3.68%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Added to the account Paid 1st of the month	- Transfers in accepted from: Cash 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. - 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	OakNorth launched in 2015 and offers debt and property finance to UK small and medium size enterprises. OakNorth change their rates frequently so move quickly if this rate appeals You can find out more about them here
Paragon Bank	3.60%	£500 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - Split ISA allowance - This ISA is flexible - Additional permitted ISA subscriptions are not accepted	Withdrawals are permitted subject to 90 days loss of interest Additions are only allowed within 28 days of account opening	Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings. You can find out more about them in our banking directory here
z Secure Trust Bank	3.80%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 31st December	- Transfers in accepted from: Cash 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 not permitted but early closeure allowed subject to the loss of 90 days of interest Further additions allowed for 30 days after account opening	Birmingham based Secure Trust Bank look after over £2bn of deposits. Their products tend not to be able for long so move quickly if this rate appeals. Find out more about them here
Shawbrook Bank	3.78%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 looks after £7.84bn of savings Find out more about them here
Sainsburys Bank	3.70%	£1 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid On Maturity	- 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 not premitted but early closure is allowed, subject to the loss of 90 days of interest Further additions are only allowed within 30 days of opening the account	Tesco Bank launched in July 1997, initially as a joint venture with Royal Bank of Scotland, but has been wholly owned by Tesco since 2008. It looks after £7.7bn of savings, having reduced its customer deposits from over £10bn in 2019, due to the sale of its mortgage business.
a Virgin Money	3.79%	£1 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually Annual interest paid 5th August Monthly interest paid the last day of the month	- 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 allowed but are subject to the loss of 60 days of interest Further additions are only allowed within 30 days of opening the account	Virgin Money is the brand name of the Clydesdale & Yorkshire Bank Group, following their £1.7bn takeover of Virgin Money. The combined banking group looks after £58.7bn of savings.

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