ISA 1 Year Fixed | The Savings Guru

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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
Apply Now	5.61%	£1,000 / No maximum	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 and Help to Buy ISAs - Split ISA allowance - This ISA is flexible - Additional permitted ISA subscriptions are not accepted	Withdrawals allowed subject to the loss of 90 days of interest Further additions are allowed only within 14 days of opening the account. ISA transfers must be received within 10 business days.	Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here
Apply Now	5.86%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded 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On Maturity	- Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 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.
Apply Now	5.70%	£5,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	- Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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accepted	Withdrawals prior to maturity are subject to a penalty fee - which is the amount of withdrawal x no.of days withdrawn early x interest rate divided by 365 No further additions can be made after the first 14 days of opening. Interest can be withdrawn annually on the maturity date.	London based specialist lender United Trust launched in 1955 and look after £1.6bn of savings Find out more about them here
d Castle Trust Bank	5.60%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	- 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 14 days after the account is opened	Castle Trust Bank was authorised in March 2020 and launched initially to existing customers only before offering fixed rate bonds in August 2021 and ISAs in September 2021
Charter Savings Bank	5.78%	£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
Hodge Bank	5.67%	£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.
Kent Reliance	5.71%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually Monthly interest paid on the last working day of the month Annual interest paid on 5th April	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - Split ISA allowance is 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 and early closure is permitted subject to the loss of 90 days of interest Additional funds and transfers in are permitted within the first 30 days of the account being opened	Kent Reliance are part of One Savings Bank, which is listed on the FTSE 250. One Savings Bank has recently completed its merger with Charter Court Financial Services (which includes Charter Savings Bank) and now looks after combined savings balances of £16.3bn
Apply Now	5.51%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 1st April	- 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 allowed but are subject to the loss of 90 days of interest Further additions are allowed until 5pm on 4th October 2023.	NatWest Group is one of the largest banks in the UK and includes the Royal Bank of Scotland, Ulster Bank and Coutts brands.
OakNorth Bank	5.75%	£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
Sainsburys Bank	5.70%	£5,000 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	- 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 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	Sainsburys was the first supermarket bank to open in the UK in 1997 and looks after £6.6bn of savings
Santander	5.60%	£500 / No Max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid On Maturity	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, cash LISAs, Stocks & Share LISAs and Help To Buy ISAs - Split ISA allowance not permitted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted	Withdrawals are not permitted but early closure is allowed subject to the loss of 120 days interest	Although this account can be opened online or via mobile app, savers can only view their balance via this channels once opened and will need to manage their account via phone or branch Santander is one of the top seven savings providers, by size, in the UK
z Secure Trust Bank	5.75%	£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
Virgin Money	5.85%	£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	This account is only available for existing or new Virgin Money current account holders - non-customers may feel it is worth opening one to secure this rate 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.
Yorkshire Building Society	5.55%	£100 / No max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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.
b Zopa	5.61%	£1 / £100,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Added to the account	- Transfers in are not permitted - This ISA is flexible	Withdrawals allowed subject to the loss of 90 days of interest Further additions allowed for up to 30 days after the account is opened	Zopa started life as a peer to peer lending business in 2005 but became a licensed bank in 2019 and launched their first savings accounts in August 2020. They launched their first ISA accounts in June 2023. You can find out more about them here

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