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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
0.65% £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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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.

Birmingham Bank
0.45% £2,500 / No max

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  • Added to the account
  • Paid half yearly on 31st March and 30th September

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Birmingham Bank was previously known as Bira Bank, which was bought by businessman Lee Bushell in January 2020 and rebranded as Birmingham Bank.

The Bank has only around £20m of savings in total so don't expect these rates to last long.

Cynergy
0.50% £1 / No max

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Ford Money
0.45% £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
0.45% £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.

Kent Reliance
0.45% £1,000 / £1m

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  • 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 180 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

Leeds Building Society
0.50% £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.

Paragon Bank
0.45% £500 / £500,000

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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

- 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 over £7.8bn of savings

Shawbrook Bank
0.49% £1,000 / £250,000

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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.

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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