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
Al Rayan Bank	0.60%	£50 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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.
Bath Building Society	0.60%	£1 / No max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 31st December	- Transfers in accepted from: Cash ISAsonly - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 permitted	Competitive rate from Bath Building Society, which looks after around £300m of savings. This account may appeal to savers who prefer managing an account by post rather than the internet
Coventry Building Society	0.96%	£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ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is flexible and you be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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	Three withdrawals are permitted each year without penalty but, from the 4th withdrawal onwards, a charge of 50 days interest will be applied. Each 'year' starts from the anniversary of opening the account.	Very competitive rate from Coventry Building Society which is the 2^nd largest building society in the UK looking after over £36bn of deposits
Family Building Society	0.72%	£500 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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.
Apply Now	0.65%	£1 / £2m	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 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	0.60%	£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.
Kent Reliance	0.60%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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
National Savings & Investments	0.90%	£1 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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. The rate on this account drops to 0.10% from 24th November
Principality Building Society	0.80%	£1 / £20,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 6th April	- Transfers in accepted from: Cash ISAs, Stocks & Shares 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 and further additions are permitted	Principality is the 6th largest building society in the UK, looking after £7.6bn of savings
Scottish Building Society	0.60%	£1 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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.
Yorkshire Building Society	0.91% (£10,000+) 0.55% (£1,000+)	£1 / No max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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.

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