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Cash ISAs / Fixed Rate Cash ISAs /

HSBC fixed rate ISAs

Latest Fixed-Rate Cash ISA deals
The 2018/19 ISA allowance is £20,000. Use your ISA allowance wisely by comparing our selection of market-leading fixed-rate cash ISAs to maximise your tax-free returns.
Deposit Cash ISAs

ISA Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 8.00% pa or 2.5 x FTSE growth
  • Deposit Taker: Goldman Sachs International Bank
  • Term: Up to 7 years

Why we like it: The previous issue of this plan had already proved popular - this latest release offers the potential for 8.0% p.a. interest, along with the same capital protection you would get with a traditional cash deposit.”

  • Plan can be ended early by Deposit Taker
  • 2% per quarter (8% pa) if plan ends early
  • 2.5 x FTSE 100 Index growth if plan runs full term
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • If plan runs full term returns not guaranteed. You may only receive a return of your original capital
  • Minimum investment £10,000
  • If you withdraw your money during the plan you may get back less than you originally invested

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 6 Year Deposit Plan

from Investec

ISA Option
Maximum Potential Return 42.00% at end of term
  • Deposit Taker: Investec Bank plc
  • Term: 6 years

"This plan offers a potential fixed return of 42%, 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 42% 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.”

  • 42% 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.

FTSE 100 6 Year Defensive Deposit Plan

from Investec

ISA Option
Maximum Potential Return 22.50% at end of term
  • Deposit Taker: Investec Bank plc
  • Term: 6 years
  • 22.5% fixed return if the Index is higher than 75% of its Initial Level
  • Capital protected product*
  • Minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • 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

Important Information: *The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.

FTSE 100 3 Year Deposit Plan

from Investec

ISA Option
Maximum Potential Return 15.00% at end of term
  • Deposit Taker: Investec Bank plc
  • Term: 3 years
  • 15% 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.

Fixed Rate Cash ISAs

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.55%
  • 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 Aldermore

Interest Rate (AER) 1.75%
  • Term: 2 Year

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

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.85%
  • Term: 3 Years

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

  • £1,000 minimum opening balance

Calculate your interest with this plan

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

What are ISAs

ISAs, also known as individual savings accounts, allow you to potentially earn up to £20,000 tax-free interest on your savings.

Not only can you access tax-free interest on your savings, but through an ISA you can invest capital and enjoy tax-free returns from your investments.

Fixed rate ISAs

Cash ISAs and instant access ISAs can give you the chance to earn tax-free interest, as well as give you complete access to your savings.

However, as a trade-off for the instant access, cash and instant access ISAs often have much lower interest rates than other ISA products.

If you want to earn higher interest on your savings, you may have to be prepared to lock up your savings for longer periods of time.

Typically, a fixed rate ISA will give you the opportunity to earn higher tax-free interest on your savings, providing you do not touch your savings for the duration of the fixed term.

HSBC fixed rate ISAs

HSBC is one of the largest banks in the world, which provides business and personal banking services. They have plenty of accounts available , including fixed rate ISA accounts.

HSBC offer a number of different savings products including fixed rate ISAs. HSBC has a variety of fixed rate ISAs, which range from 3 months to 3 years. You can open an HSBC fixed rate ISA from £2,000, with a maximum deposit of £1,000,000. It is important to bear in mind that no withdrawals can be for deposits larger than £50,000, any withdrawals for deposits under £50,000 will be subject to a 90 days’ worth of interest charge.

Next steps

If you want to explore your fixed rate ISA options, then review our table above. Our ISA table above provides some of the best ISAs available on the market, including ISAs from other lenders.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How can the best 1-year Cash ISA work for me?

19th March 2019

It’s your last chance to get some savings locked away in a Cash ISA for this tax year. But you need to act quickly: some providers need to receive online applications by Thursday 21 March, in order to receive any documents they request from you, and your money, by 28 March.

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