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Shawbrook Bank ISAs

Founded in 2011, Shawbrook is a specialist savings and lending bank, offering loans, residential and commercial mortgages, business finance and savings products to serve the needs of SMEs and individuals in the UK.

Topics

  • Easy Access Cash ISA
  • 1 Year Fixed Rate Cash ISA Bond
  • 2 Year Fixed Rate Cash ISA Bond
  • 3 Year Fixed Rate Cash ISA Bond
  • 5 Year Fixed Rate Cash ISA Bond
  • 7 Year Fixed Rate Cash ISA
  • Other Services
  • Shawbrook Bank Reviews and Ratings

Easy Access Cash ISA

Shawbrook’s Easy Access Cash ISA account offers the tax benefits of a cash ISA, while still enjoying access to your money when you need it. Make as many withdrawals as you like, (subject to a minimum withdrawal amount of £500) without giving notice, and manage your account online.

Interest is paid annually or monthly at a variable rate of 0.50% AER tax-free. You can invest up to the current limit of £20,000 for the tax year, and if you have ISA balances elsewhere, you can transfer them in to keep your savings in one accessible place. The minimum account opening balance is £1,000. To open an account you must be 18 years of age or over and a permanent UK resident.

1 Year Fixed Rate Cash ISA Bond

The 1 Year Fixed Rate Cash ISA Bond has a fixed term, so you can only withdraw your money without incurring any charges at the end of the fixed term. The minimum account opening balance is £1,000, the maximum account deposit is £20,000 tax-free. Interest is paid annually or monthly at a fixed rate of 0.60% AER tax-free. To open an account you must be 18 years of age or over and a permanent UK resident.

2 Year Fixed Rate Cash ISA Bond

The 2 Year Fixed Rate Cash ISA Bond is similar to the above but with a longer fixed term of two years. The fixed interest rate is more favourable at 0.70% AER tax-free.

3 Year Fixed Rate Cash ISA Bond

The 3 Year Fixed Rate Cash ISA Bond is similar to the above but with a longer fixed term of three years. The fixed interest rate is even more favourable at 0.75% AER tax-free.

5 Year Fixed Rate Cash ISA Bond

The 5 Year Fixed Rate Cash ISA Bond is similar to the above but with a longer fixed term of five years. The fixed interest rate is even more favourable at 1.10% AER tax-free.

7 Year Fixed Rate Cash ISA

The 7 Year Fixed Rate Cash ISA is similar to the above but with a longer fixed term of seven years. The fixed interest rate is very favourable at 1.25% AER tax-free.

Other Services

Shawbrook is a specialist savings and lending bank, offering loans, residential and commercial mortgages, business finance, and savings products to serve the needs of SMEs and individuals in the UK.

Shawbrook Bank Reviews and Ratings

Online reviews for Shawbrook Bank are average and fairly mixed. Customers that were happy with the service they received have remarked on the common sense approach that the company offers, with good customer service and seamless transfers. The instructions were easy to follow, all the relevant documents were there online and the website looks straightforward to navigate. Some less favourable comments highlight the endless paperwork that is required, the inept staff, as well as some accusations of a fraudulent service.

Trustpilot – 4.5/5 (based on 1,999 reviews)
Reviews.io – 4/5 (based on 4 reviews)

Pros

  • A large range of fixed and variable rate Cash ISAs
  • Quick easy online setup
  • Thorough product detail and information
  • A clear, easy to understand website
  • Transfers in from other Cash ISA or Stocks and Shares ISA providers are permitted
  • Protected up to a total of £85,000 by the Financial Services Compensation Scheme
  • Authorised by the Prudential Regulation Authority
  • Regulated by​ the Financial Conduct Authority

Cons

  • Services aimed at SMEs and individuals only
  • Stocks and Shares, Lifetime ISAs and other ISA products not offered
  • A large minimum opening balance of £1,000 is required
  • To open an account you must be 18 years of age or over and a permanent UK resident
  • Some bad customer feedback and accusations of fraud
  • Some instances of poor customer service

Website: Shawbrook Bank

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