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Coventry Building Society is now offering the top rate of interest for an easy access ISA by increasing the rate its Limited Access ISA. The building society joins Yorkshire Building Society, Virgin Money, Leeds Building Society and Chelsea Building Society in having an easy access ISA that comes with withdrawal restrictions.
The ISA from Coventry Building Society pays 1.46% (which includes a bonus of 0.31% until 31 January 2021) yearly and savers can make up to three withdrawals per year without incurring any penalty. Savers can transfer-in other previous year’s ISA allowances, as well the £20,000 maximum allowed for the 2019/20 tax year.
The account can be opened in branch, online, by post or over the phone and if savers need to access their funds for more than three withdrawals, they can do so but will incur a 50 days’ interest penalty on the amount withdrawn.
Yorkshire Building Society launched a nearly identical product back in May, but its account comes with a condition that withdrawals can only be made on one day per account year and pays a rate of 1.40%.
ISAs with limited access are deemed to be easy access ISAs, which usually do not place any restrictions on accessing your funds. However, ISAs with limited access mean that while your funds are still accessible, the number of withdrawals is capped.
The best easy access ISA rate that does not have withdrawal conditions is from Al Rayan Bank, with its Instant Access Cash ISA offering an expected rate of 1.36%. This account can be opened by post, by phone, online, via its mobile app or in branch and transfers in from cash and stocks and shares ISAs are accepted.
Family Building Society pays a rate of 1.34% on its Market Tracker Cash ISA (2). It accepts transfers in, but only from other cash ISAs, while stocks and shares ISA transfers are not allowed. The minimum balance to open this account is £500 and it can be opened in branch, online or by post.
From July 2014, savers could transfer savings from stocks and shares ISAs to cash ISAs. However, it is still the decision of banks and building societies to decide if their ISAs will accept these. Currently, the four providers offering the best easy access ISA rates available to all savers all accept transfers in from both cash and stocks and shares ISAs.
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Coventry Building Society has launched an easy access savings account called the Triple Access Saver, which pays 1.46% yearly and sits at the top of the easy access charts.
Coventry Building Society has launched an easy access savings account called the Triple Access Saver, which pays 1.46% yearly and sits at the top of the easy ac
SAGA has launched a new easy access savings account paying 1.40% and, while the rate is competitive, there are multiple other providers paying the same if not higher rates for these types of accounts.
SAGA has launched a new easy access savings account paying 1.40% and, while the rate is competitive, there are multiple other providers paying the same if not
Savers who jumped onboard with Marcus by Goldman Sachs 12 months ago need to act now if they want to keep earning the best possible interest rate on their account.
Marcus by Goldman Sachs 12 months ago need to act now if they want to keep earning the best possible interest rate on their account.
Coventry Building Society has launched an easy access savings account called the Triple Access Saver, which pays 1.46% yearly and sits at the top of the easy access charts.
Coventry Building Society has launched an easy access savings account called the Triple Access Saver, which pays 1.46% yearly and sits at the top of the easy ac
SAGA has launched a new easy access savings account paying 1.40% and, while the rate is competitive, there are multiple other providers paying the same if not higher rates for these types of accounts.
SAGA has launched a new easy access savings account paying 1.40% and, while the rate is competitive, there are multiple other providers paying the same if not
Savers who jumped onboard with Marcus by Goldman Sachs 12 months ago need to act now if they want to keep earning the best possible interest rate on their account.
Marcus by Goldman Sachs 12 months ago need to act now if they want to keep earning the best possible interest rate on their account.
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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.
Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.