ISA Easy Access
Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | ISA Information | ISA Access | SG Verdict |
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5.10% | £1 / £20,000 | Branch | Branch |
| - Transfers in not accepted - This ISA is flexible |
Additions and withdrawals are permitted |
All money deposited in the Chip ISA is held by the UK authorised bank ClearBank and is eligible for the Financial Services Compensation Scheme (FSCS) |
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4.81% | £5,000 / £1.5m | Branch | Branch |
| - 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Stocks & Shares ISAs - Split ISA Allowance permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 |
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4.55% | £1 / No Maximum | Branch | Branch |
| - 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ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is flexible and you be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 |
Four withdrawals are permitted each year without penalty but, from the fifth withdrawal onwards, a charge of 50 days interest will be applied. Each 'year' starts from the anniversary of opening the account.
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Competitive rate from Coventry Building Society which is the 2nd largest building society in the UK looking after £38.2bn of deposits |
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4.90% | £1 / No max | Branch | Branch |
| - Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year.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 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 |
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4.86% | £500 / £250,000 | Branch | Branch |
| - 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 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. |
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4.82% | £1,000 / No maximum | Branch | Branch |
| - 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 |
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4.75% | £1,000 / £1m | Branch | Branch |
| - 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 1st June 2026 Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings. |
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4.75% (includes 0.49% bonus for 12 months) | £1 / £20,000 | Branch | Branch |
| - 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 |
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4.85% (includes 0.75% bonus for 12 months) | £1 / £20,000 | Branch | Branch |
| - 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 |
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4.75% (includes 0.49% bonus for 12 months) | £1 / £20,000 | Branch | Branch |
| - 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 |
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4.50% | £1,000 / £250,000 | Branch | Branch |
| - 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 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 |
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4.51% | £1 / £2m | Branch | Branch |
| - 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 allowed. |
This account pays a lower rate of 2% if more than three withdrawals are made in a calendar year. 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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4.76% | £1 / £2m | Branch | Branch |
| - 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 |
Additions and withdrawals allowed |
This account is only available for existing or new Virgin Money current account holders - non-customers may feel it is worth opening one to secure this rate 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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5.08% | £1 / £250,000 | Branch | Branch |
| - Transfers in accepted from: Cash ISAs only - This ISA is flexible
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Additions and withdrawals are permitted
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The rate comprises a 4.58% underlying rate with a 0.50% bonus which will be paid until 6th May 2025. 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 |