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RBS 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 Royal Bank of Scotland Fixed Rate ISA

Review of Royal Bank of Scotland Fixed Rate 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 make 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.  As many current accounts are now offering competitive rates of interest, many people are moving away from ISAs.

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. Check out our comparison tables for latest interest rates.

What do RBS offer?

RBS offer two kinds of tax-free ISA. Their fixed rate ISA and their Instant Cash ISA.

Features of their Fixed Rate ISA:

  • Have a fixed interest rate on your cash ISA  meaning you'll know in advance what your savings will earn
  • You can choose a term that suits you , either one or two years
  • You can keep all the interest helping your savings grow faster
  • You will be able to make transfers in and 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
  • The minimum deposit is £1,000
  • You will need your National Insurance Number to apply for any ISA

RBS is one of the few banks that offer a Fixed Rate 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 RBS are offering an easy way for savers to take the plunge and begin their savings. However, they do not currently offer the highest rate of interest on the market.

What is an ISA?

Paying into an ISA is called ‘subscribing’. You can subscribe to one of each type of ISA each tax year, providing you do not subscribe more than your annual ISA allowance. For the 2018/2019 tax year that runs from 6th April 2018 to 5th April 2019 your annual ISA allowance is £20,000.

ISAs are a good idea whatever your savings goal. With certain types of cash ISAs, you have instant access to your money, which makes it a flexible way to plan your finances.

It’s also important to remember that ISA allowance limits apply to everyone on an individual basis, so if you’re married or in a relationship, you can both hold your own ISA, each with the full allowance.


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 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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