ISA Easy Access | The Savings Guru

ISA Easy Access

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	ISA Information	ISA Access	SG Verdict
Find out more	1.60%	£100 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	Leeds Building Society savings accounts have been awarded the Fairer Finance Gold Ribbon (Spring 2022). Manage your money conveniently online with the Limited Issue Online Access ISA. Take advantage of your tax-free savings allowance – this means that interest payable is exempt from income tax.	Unlimited withdrawals can be made without notice or loss of interest, subject to minimum balance being maintained. This account is limited issue. The account may be closed for further deposits at any time. This will be done on a minimum of 30 days’ written notice, after which you will not be able to deposit further funds Please remember that withdrawals from ISA’s result in a loss of tax free status on the amount withdrawn.	Unlimited withdrawals can be made from this account, which has a fixed maturity date of 31st October 2023. Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.
Charter Savings Bank	1.60%	£5,000 / £1.5m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on 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Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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
Coventry Building Society	1.55%	£1 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually Monthly interest paid the last day of the month	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is flexible and you be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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	Additions and withdrawals are permitted	Competitive rate from Coventry Building Society which is the 2^nd largest building society in the UK looking after £38.2bn of deposits
Coventry Building Society	1.85%	£1 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is flexible and you 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	Six withdrawals are permitted each year without penalty but, from the 7th withdrawal onwards, a charge of 50 days interest will be applied. Each 'year' starts from the anniversary of opening the account.	Competitive rate from Coventry Building Society which is the 2^nd largest building society in the UK looking after £38.2bn of deposits
Cynergy	1.65%	£1 / No max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 31st March	- Transfers in accepted from: Cash ISAsonly - 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	Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings
Ecology Building Society	1.70%	£25 / No Max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 5th April	- Transfers in are not permitted - This ISA is not flexible - Split ISA allowance is not permitted	Withdrawals and additions are permitted	Ecology was founded in 1981 and is one of the smallest buliding societies in the UK, looking after £185m of savings
Apply Now	1.65%	£1 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on 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	1.75%	£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 - 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.
s Marcus	1.80% (includes 0.25% bonus for 12 months)	£1 / £20,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Compounded	- Transfers in not accepted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted	Withdrawals and additions are permitted	Marcus launched in September 2018 and is part of US bank Goldman Sachs This account includes a bonus rate of 0.25% for 12 months. We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion.
Paragon Bank	1.90%	£1 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on 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	Addditions are permitted but rate drops to 0.25% if more than three withdrawals are made within a 12 month period.	Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings. You can find out more about them in our banking directory here
Saga	1.80% (includes 0.25% bonus for 12 months)	£1 / £20,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Compounded	- Transfers in not accepted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted	Withdrawals and additions are permitted	Saga savings relaunched in October and is now part of Marcus by Goldman Sachs which has over 700,000 customers in the UK with £21bn of balances. This account includes a bonus rate of 0.25% for 12 months. We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion.
Santander	1.85%	£500 / No Max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 31st March	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, cash LISAs, Stocks & Share LISAs and Help To Buy ISAs - Split ISA allowance not permitted - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted	Santander is one of the top seven savings providers, by size, in the UK
Skipton Building Society	1.60%	£1 / no maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is flexible and you are able to re-deposit withdrawn funds - Additional permitted ISA subscriptions are not accepted	- Withdrawals and additions are permitted	Skipton is the 4th largest building society in the UK and looks after £21bn of deposits.
Teachers Building Society	1.65%	£100 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 5th April	- Transfers in accepted from: Cash ISAs and 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	Teachers is based in Bournemouth and was founded in 1966 to help teachers get on to the property ladder. It is one of the UK's smallest building societies and looks after £274m of savings. Teachers and education professionals can get a higher rate of 1.70% for this account.
z Virgin Money	1.75%	£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 are permitted but only three withdrawals per calendar year. Once three withdrawals have been made, the rate falls to 0.75% Further additions are allowed.	This account is only only open to existing Virgin Money customers who opened accounts prior to 4/12/19 or previous Clydesdale Bank, Yorkshire Bank or B current account holders 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.

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