ISA 2 Year Fixed
Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | ISA Information | ISA Access | SG Verdict |
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0.75% | £1,000 / No maximum | Branch | Branch |
| - Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is not flexible, and you not be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 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. |
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0.60% | £500 / £2m | Branch | Branch |
| - 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 180 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. |
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0.80% | £1,000 / £1m | Branch | Branch |
| - 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& Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is not flexible and you will not be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 180 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. |
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0.50% | £1,000 / No Maximum | Branch | Branch |
| - 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 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. |
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0.50% | £1,000 / £1m | Branch | Branch |
| - 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 |
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0.55% | £500 / £500,000 | Branch | Branch |
| - 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 180 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 |
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0.55% | £5,000 / £2m | Branch | Branch |
| - 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 allowed subject to the loss of 210 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 |
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0.66% | £1,000 / £250,000 | Branch | Branch |
| - 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 allowed subject to the loss of 180 days of interest Further additions allowed while product remains open |
This is the best paying 2 Year ISA account in the market from Essex based Shawbrook, who launched in 2011 and look after over £6bn of deposits. |
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0.60% | £20,000 / £1m | Branch | Branch |
| - 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 but early closure is allowed with the loss of 180 days interest. - From 7 days after account opening, you can deposit up to your total ISA allowance (£20,000 for 2020/2021) and/or make a request for an ISA transfer in. After this, the account may be closed to further deposits at any time and without notice. |
Skipton is the 4th largest building society in the UK and looks after over £17bn of deposits. |
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0.60% | £1,000 / No maximum | Branch | Branch |
| - 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 180 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. |