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Cash ISAs / Fixed Rate Cash ISAs /

5 Year Fixed Rate ISA

Deposit Cash ISAs

FTSE 100 6 Year Deposit Plan

from Investec

ISA Option
Maximum Potential Return 45.00% at end of term
  • Deposit Taker: Investec Bank plc
  • Term: 6 years

"This plan offers a potential fixed return of 45%, provided the FTSE 100 Index at the end of the term is higher than its value at the start of the plan (subject to averaging). As with other cash deposits, your capital is also eligible for FSCS* protection.

The 45% return is equivalent to 6.38% compound growth each year, which is well over double the best fixed rate bond, and more than 4% per year higher than the top fixed rate Cash ISA.

The downside is that the return is not guaranteed, and so if the FTSE ends lower, you only get your initial capital back.”

  • 45% fixed return if the Index is higher
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • Returns not guaranteed. You may only receive a return of your original capital
  • Minimum deposit £3,000
  • Plan designed to be held for full term

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

FTSE 100 Kick Out Deposit Plan

from Investec

ISA Option
Maximum Potential Return 6.00% per annum
  • Deposit Taker: Investec Bank plc
  • Term: Up to 6 years

"By offering full capital protection plus a potential 6% per year, this plan offers the opportunity to beat low savings rates as well as tackle the effects of rising inflation."

  • Opportunity to mature early at year 3, 4 or 5
  • Capital Protected Product*
  • Eligible for the Financial Services Compensation Scheme
  • ISA transfers accepted
  • Short/medium term alternative to fixed rates
  • Minimum single Investment - £3,000
  • This plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
  • Limited offer - deadlines apply. May close early if oversubscribed

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Fixed Rate Cash ISAs

1 Year Fixed Rate Cash ISA

from Ford Money

Interest Rate (AER) 1.45%
  • Term: 1 Year
  • Minimum deposit £500
  • Interest can be paid monthly or annually
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply
  • Early withdrawals subject to term breakage charge

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.60%
  • Term: 1 Year

Open a 1 Year Fixed Rate Cash ISA with Aldermore Bank to get a great return. 

2 Year Fixed Rate Cash ISA

from Ford Money

Interest Rate (AER) 1.65%
  • Term: 2 Years
  • Minimum deposit £500
  • Interest can be paid monthly or annually.
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply
  • Early withdrawals subject to term breakage charge

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.80%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

2 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.82%
  • Term: 2 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.90%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • 1.80% gross/AER fixed for 3 years.
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

3 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.91%
  • Term: 3 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

5 Year Fixed Rate ISA

With a 5 year fixed rate ISA savers know exactly how much they stand to earn from interest accumulation, in return for locking their cash into the account for a 60 month period.

How do 5 year fixed rate ISAs work?

Like most fixed rate ISAs with a 5 year option you are required to lock your money into the account for that time frame. Over the 5 year period of the account the interest rate paid upon it will be fixed, so it is possible to tell exactly how much you will earn.

Locking your savings into a fixed rate is also a way savers can try to protect themselves from interest rates falling in the future, however if interest rates rise there is the risk that their interest rate will become uncompetitive.

How interest is calculated upon fixed rate accounts can vary by provider, some will do pay interest monthly while others may do so quarterly or annually.

Some fixed rate ISA permit early full or partial withdrawals, however these are normally subject to a penalty based upon a set amount of days worth of interest accumulation. This means that savers could actually get back less than they originally deposited in the account.

Fixed rate accounts commonly have a minimum amount that must be deposited in order to open, or transfer into, the account.

Other ISAs

Fixed Rate ISAs are also available for other time spans such as; 1, 2 and 3 year products. As a general rule the longer the account requires money to be locked into the ISA for the better the rate of interest offered.

Other types of Cash ISA include Instant access plans. These types of ISA usually allow the account holder to make unlimited free withdrawals from the account, without having to pay an interest penalty. They usually however offer a variable interest rate rather than a fixed one.

Before you take out a Cash ISA

ISA rules only permit each eligible person to open up to one Cash ISA in each tax year (although it may be possible to transfer an ISA). This means it’s a good idea to shop around to try and find a product that fits with how you want to save. You can use the tables on this website to view a selection of different types of ISA from various providers and follow the links to find out more or apply. 

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Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

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We've been comparing and recommending ISAs for many years so you can trust you're in good hands.

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