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NatWest Fixed Rate ISAs

The Very Latest Cash ISA rates
The current ISA allowance is £20,000. Use our cash ISA tables below to compare a selection of market-leading cash ISAs for instant access, fixed rates and alternative ideas to maximise your tax free return
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) 1.40%
  • Term: 1 Year

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

1 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.30%
  • Term: 1 Year


  • 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)

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) 1.65%
  • 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) 1.35%
  • 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) 1.80%
  • 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) 1.42%
  • 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)

Review of Natwest Fixed Rate ISA

Natwest offer a range of savings options including two types of ISA. See our tables for more details. 

Natwest Fixed Rate ISA (1 or 2 year)

Their fixed rate Isa allows you to:

  • Have a fixed interest rate on your cash ISA so you know in advance what your savings will earn
  • Choose a term that suit you, either one or two years
  • Keep all the interest - which helps your savings grow faster
  • Make transfers in so you can bring all your ISAs together in one place
  • You will earn a higher rate of interest on the two year plan and for any amount above £25,000.

Useful to Know

As this is a Fixed Rate ISA, you cannot withdraw your money during the agreed term. If you do choose to withdraw your money then you incur an Early Closure Charge. They offer both one year and two year terms so be sure to pick one that’s right for you. Also:

Natwest is one of the few banks that offer a Fixed Rate of ISA for one year with many offering a two year minimum and some up to five year minimums. For many people this time frame isn’t convenient and so Natwest are offering an easy way for savers to take the plunge and begin their savings. As Natwest is part of The Royal Bank of Scotland group, you will find that they offer the same accounts and rates.

However, they do not currently offer the highest rate of interest on the market.

Why use an ISA?

An ISA is a tax efficient way to save and stands for Individual Savings Account. An ISA lets you pay little or no tax on the interest your savings and investments making them a popular choice for saving large amounts of money.

They have become less popular since the new PSA (Personal Savings Allowance) has allowed lower rate tax payers to save up to £1000 tax-free and higher rate tax payers up to £500. However, as your tax-free amount is much higher in an ISA, there are still opportunities for savers to make the most of their money.

High Income ISAs

High income ISA ideas:

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Cash ISAs

Fixed Rate & Instant Access ISAs:

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Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How To Select The Best Junior Stocks & Shares ISA

15th February 2018

An ISA is an individual savings account that offers the chance for individuals to earn up to £20,000 tax-free interest.Not only can those who subscribe to an ISA benefit from tax-free interest from savings, but also enjoy the freedom to invest from their ISA and avoid paying tax on their returns.

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