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ISA Easy Access

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options ISA Information ISA Access SG Verdict
Al Rayan Bank
1.00% £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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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
0.70% £5,000 / £1.5m

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- This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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

Ecology Building Society
0.80% £25 / No Max

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  • 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

Family Building Society
0.65% £500 / £250,000

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  • Paid Annually
  • Added to the account
  • Paid 30th September

- Transfers in accepted from: Cash ISAs only

- This ISA is flexible

- Additional permitted ISA subscriptions are not accepted

Withdrawals and additions allowed

The interest rate on this ISA Market Saver account is reviewed quarterly to ensure it remains consistently competitive and avoids the need for savers to continuously shop around.

Family is part of National Counties Building Society, the 11th largest Society in the UK, looking after over £2bn of savings.

FCE Bank
0.85% £1 / £2m

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  • 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.

Kent Reliance
0.70% £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

This is a limited edition account and can be withdrawn at any time.  We recommend savers move quickly if they want to secure this rate!

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

Leeds Building Society
0.71% £100 / No maximum

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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.

Further additions are allowed and unlimited withdrawals are permitted.

Unlimited withdrawals can be made from this account, which has a fixed maturity date of 2nd July 2023.

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

Marcus
1.15% (includes 0.10% bonus for 12 months) £1 / £20,000

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  • 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 0.10% 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.

Melton Building Society
0.80% £25 / No Max

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  • Annual interest paid 31st March
  • Added to the account

- Transfers in are not permitted

- This ISA is not flexible

- Split ISA allowance is not permitted

Withdrawals and additions are permitted

The Melton is the 23rd largest building society in the UK and looks after £439m of savings

Nationwide - Triple Access
1.00% £1 / No max

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

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

- Split ISA allowance permitted

- This ISA is flexible

- Additional permitted ISA subscriptions are not accepted

Addditions are permitted but rate drops to 0.01% if more than three withdrawals are made during the 12 month term

Nationwide are the largest building society and one of the top seven savings providers in the UK by value of deposits managed

Saga
1.15% (includes 0.10% bonus for 12 months) £1 / £20,000

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  • 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 0.10% 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
0.70% £500 / No Max

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  • 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

A higher rate of 0.80% is payable on this account for Santander 123 World and Santander Select customers

Santander is one of the top seven savings providers, by size, in the UK

Scottish Building Society
0.90% £1 / No maximum

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  • Paid Away or Compounded
  • Annual interest paid 31st March

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

- Split ISA allowance is 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 and additions allowed

Scottish Building Society is Scotland's only independent building society and started life in 1848.  They have branches in Edinburgh, Glasgow, Iverness, Troon and Galashiels and look after £380m of savings. 

Accounts are open to UK residents.

Shawbrook Bank
0.92% £1,000 / £250,000

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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 180 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

Yorkshire Building Society
0.82% (£50,000+) 0.77% (£10,000+) 0.25% (£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

Unlimited withdrawals and additions

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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