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ISA 3 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
 Aldermore
4.00% £1,000 / No maximum

Branch
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Branch
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  • 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 180 days of interest

Further additions are allowed only within 14 days of opening the account and ISA transfer forms must be received in 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

A| UBL
4.20% £1,000 / No maximum

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

A| United Trust Bank
4.15% £5,000 / No maximum

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Branch
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  • 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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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Withdrawals prior to maturity are subject to a penalty fee - which is the amount of withdrawal x no.of days withdrawn early x interest rate divided by 365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

Castle Trust Bank
4.25% £1,000 / £500,000

Branch
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Branch
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  • 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 270 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

Close Brothers
4.20% £10,000 / £2m

Branch
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Branch
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  • Paid on Anniversary
  • Paid Annually
  • Added to the account

- Transfers in accepted from: Cash ISAs and Stocks and Shares 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 270 days interest.

Close Bank have been trading since 1878, are a FTSE 250 listed company and look after over £6.4bn of savings

You can find out more about them here

Coventry Building Society
4.06% £1 / No Maximum

Branch
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Branch
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  • 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 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 the account can be closed early subject to 180 days loss of interest

Further additions allowed in the first 14 days after opening only

This product has a fixed maturity date of 31st May 2027

Coventry is the 2nd largest building society in the UK looking after £38.2bn of deposits

Cynergy
4.00% £500 / No max

Branch
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Branch
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  • Paid on Anniversary
  • Paid Annually
  • Added to the account

- 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

Hodge Bank
4.15% £1,000 / No Maximum

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Branch
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  • 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.

Leeds Building Society
4.15% £100 / No maximum

Branch
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Branch
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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 240 days interest.

- Additions can be made up to and including 30th April 2024

This account has a fixed maturity date of 4th May 2027

Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.

Newcastle Building Society
4.00% £500 / No maximum

Branch
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Branch
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  • Paid Annually
  • Paid 4th November

- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs, Help to buy ISAs

- 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 permitted subject to the loss of 180 days interest.

This ISA has a fixed maturity of 8th March 2027

Newcastle is the eighth largest building society in the UK, looking after £3.4bn of savings

OakNorth Bank
4.40% £1,000 / £500,000

Branch
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Branch
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  • 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 270 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

Principality Building Society
4.05% £500 / 2£0,000

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Branch
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  • Paid on 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 270 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

Sainsburys Bank
4.00% £5,000 / £2m

Branch
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Branch
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  • 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 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
4.40% £1,000 / £250,000

Branch
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Branch
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  • Paid on 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

Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings

Find out more about them here

TSB
4.10% £1 / £1m

Branch
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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Annually

- Transfers in accepted from: Cash ISAs and Stocks & Shares ISAs

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

- Additional permitted ISA subscriptions are not accepted

Withdrawals and transfers are permitted but are subject to a loss of 270 days interest

Additions and transfers in are only allowed within 30 days of account opening

TSB is owned is part of the Spanish banking group Sabadell and looks after £35.9bn of savings

West Brom Building Society
4.05% £1 / No max

Branch
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Branch
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  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st December

- Transfers in accepted from: Cash ISAs, Stocks and 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 permitted with the loss of 240 days interest

West Brom are the 7th largest building society in the UK and look after £4.182m of deposits 

Zopa
4.21% £1 / £250,000

Branch
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Branch
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  • Paid Monthly
  • Added to the account

- Transfers in accepted from: Cash ISAs only

- This ISA is flexible

 

Withdrawals allowed subject to the loss of 270 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

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.

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