The one-year version of Fixed Rate Cash E-ISA (Issue 145) pays a highly competitive rate of 1.81% yearly (1.80% monthly) until 24.11.16, which allows it to sit just behind the market-leader of its sector. Meanwhile, the two-year variant (Issue 146) pays 2.06% yearly (2.04% monthly), the top rate for its term, and the three and five-year versions (Issue 147 and Issue 148) pay respective yearly rates of 2.25% (2.23% monthly) and 2.51% (2.48% monthly), which also allow them to sit just behind their respective sectors' leading accounts.
These accounts must be opened and operated online with a minimum investment of just £1.
Additional deposits can be made for up to 30 days after the accounts have been opened, and transfers in of cash and stocks & shares ISAs are welcomed.
Unusually, all accounts allow early access to funds, albeit upon a loss of interest (60 days for the one-year ISA, 90 days for the two-year variant, 120 days for the three-year version and 180 days for the five-year ISA). Transfers away from these accounts will also incur the same penalties.
For those who would prefer to manage their account offline, branch and postal-operated versions paying the same rates are available.
The re-issue of these ISAs has ensured their continued dominance of the charts. All of these accounts hold places at or near the top of their respective sectors thanks to their highly competitive rates, which is certain to draw in eager savers. They also offer some welcome flexibility in terms of additions and early access to funds, which gives them some extra star quality.
Moneyfacts rating: Excellent
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