Receive the Savings Guru's updates straight to your inbox

3 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
Gatehouse Bank
1.10% £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- This ISA is not flexible and you will not be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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.

Hodge Bank
1.10% £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 270 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.

Metro Bank
1.30% £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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

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 74 branches across the UK and has been in operation since 2009.  It looks after £14.5bn of savings

Paragon Bank
1.10% £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 270 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

Sainsburys Bank
0.75% £5,000 / £2m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • 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 not permitted but early closure is 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

Shawbrook Bank
0.95% £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 270 days of interest

Further additions allowed while product remains open

This is the best paying 3 Year ISA account in the market from Essex based Shawbrook, who launched in 2011 and look after over £6bn of deposits.

Skipton Building Society
0.90% £20,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Anniversary
  • 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 is allowed with the loss of 240 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.

This ISA is available either as an online only version or via branch, post and phone.  It can be opened with £500 for a lower rate of 1.05%.

Skipton is the 4th largest building society in the UK and looks after over £17bn of deposits. 

UBL
1.10% £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 270 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.

Virgin Money
1.15% £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 allowed subject to the loss of 120 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.

Yorkshire Building Society
0.90% £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 180 days interest.

Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

About The Savings Guru

We help savers get the best deal for their money by providing unique insight in to the savings market.  We help prospective banks apply for a banking licence and we help build customer services, products and marketing for them.  We also work with existing banks and building societies to improve their savings propositions.  This  insider view of savings means we are uniquely placed to help savers.

Find out moreMeet the Team

Ask the Guru a Question

Your Name

Please let us know your name.
Your Email

Please let us know your email address.
Question

Please let us know your message.


Invalid Input