ISA 2 Year Fixed | The Savings Guru

ISA 2 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	ISA Information	ISA Access	SG Verdict
Al Rayan Bank	0.75%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Quarterly	- 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in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is not flexible, and you not be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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.
Charter Savings Bank	0.85%	£5,000 / £1.5m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 180 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
Gatehouse Bank	0.95%	£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& Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is not flexible and you will not be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 1800 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.
Metro Bank	0.75%	£1 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 is not flexible - Additional permitted ISA subscriptions are not accepted	Partial withdrawals are not permitted but early closure is subject to loss of 180 days interest Additions and transfers in are only allowed within 30 days of account opening	Metro has 77 branches across the UK and has been in operation since 2009. It looks after £14.5bn of savings
Paragon Bank	0.70%	£500 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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 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 £6bn of savings
Principality Building Society	0.80%	£500 / 2£0,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Away or Compounded Paid Monthly 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 permitted but early closure or transfer out is allowed, subject to the loss of 180 days of interest - Once opened, savers have five business days to make their initial deposit.	Principality is the 6th largest building society in the UK, looking after £7.6bn of savings
https://www.securetrustbank.com/savings/personal-savings/cash-isas/2-year-fixed-rate-cash-isa	0.90%	£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 180 days of interest Further additions allowed for 30 days after account opening	A very competitive first entry in to our 5 Year ISA tables from Birmingham based Secure Trust, who look after over £2bn of savings. Find out more about them here: https://www.thesavings.guru/bank-directory/182-secure-trust-bank
Apply Now	0.70%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Away or Compounded Paid Monthly 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 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.
UBL	0.90%	£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 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.
Yorkshire Building Society	0.80%	£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 120 days interest.	Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

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