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Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
Al Rayan Bank
1.10% £50 / 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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 and additions are permitted without penalty.

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
0.75% £5,000 / £1.5m

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

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

Ford Money
0.85% £1 / £2m

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  • 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.

Additions and withdrawals permitted without penalty

Essex based Ford Money launched in April 2017.  They have consistently offered competitive ISA rates since.

Gatehouse Bank
0.80% £1,000 / £1m

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  • Paid Away or Compounded
  • Paid On Maturity

- Transfers in accepted from: Cash ISAs, Stocks & Shares 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- This ISA is not flexible and you will not be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 and additions are permitted 

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
0.85% £1,000 / No maximum

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  • 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 additions allowed

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

NS&I
0.90% £1 / £2m

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  • Paid Annually
  • Added to the account
  • Paid 6th April

- Transfers in are not accepted

- 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 additions are permitted

National Savings & Investments is not a bank but is backed by the UK government and therefore is 100% safe.  It is one of the largest savings providers in the UK, looking after £167bn of savings with over 25 million customers.

Saffron Building Society
0.75% £1 / £500,000

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  • Paid On Maturity
  • Added to the account

- 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 and additions are permitted

Essex based Saffron, who look after £850m of savings, are one of the top 20 building societies by size in the UK

Shawbrook Bank
0.75% £1,000 / £250,000

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  • 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 easy access ISA account in the market from Essex based Shawbrook, who launched in 2011 and look after over £6bn of deposits.

Virgin Money
1.01% £1 / £2m

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  • 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 are permitted but only two withdrawals per calendar year.  Once two withdrawals have been made, you are only able to access your money by closure or transfer of your ISA.

Further additions are allowed.

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% (£10,000+)
0.70% (£1,000+)
£1 / No max

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  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st March

- 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 and additions permitted

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.

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