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What is the Best Fixed Rate ISA?

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Fixed Rate Cash ISAs

2 Year Fixed Rate Cash ISA

from Ford Money

Interest Rate (AER) 1.33%
  • 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)

1 Year Fixed Rate Cash ISA

from Ford Money

Interest Rate (AER) 1.20%
  • 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)

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.25%
  • Term: 3 Years

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

  • 1.85% 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)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.20%
  • Term: 2 Year

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

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.00%
  • Term: 1 Year

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

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)

2 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.32%
  • 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)

1 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.22%
  • 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)

A Review of Best ISAs

A cash Individual Savings Account (ISA) is a tax-free savings account which allows you to save up to a set amount of money per financial year without paying any tax on it. You can only have one cash ISA per tax year, but you can also have a different type of ISA, known as a stocks and shares ISA, simultaneously.

Rates are at an all time low but there are still some good options around. Here are a selection of some of the best ISAs. See our comparison tables for more details.

Some of the highest interest paying fixed rate ISAs at the moment, include:

1) Tesco Fixed Rate ISA

In the first 30 days you can pay in up to £20,000.

Features:
  • Your interest rate is guaranteed for one year, you can't withdraw any money during this fixed term unless you close the account and pay a fee
  • You can manage your money with online and telephone banking
  • You can transfer your existing ISA as long as it’s within 30 days
Why we like it:

This ISA is a great option if you’re able to tie up your money for a year due to its high interest rate and ability to manage your account online. Tesco customers get the added bonus of clubcard point perks

2) Bank of Cyprus Fixed Rate ISA

The Bank of Cyprus UK Cash ISA offers a unique combination which functions as a fixed and variable way to save. It combines the security of a fixed rate Cash ISA with the flexibility to make further deposits at the variable rate.

Features:

  • Competitive tax-free interest rates, including loyalty rates for existing customers
  • Your interest rate options are flexible. You can start with a variable rate and switch your funds to a fixed rate at any time. You can only fix the rate once in each tax year, subject to a minimum of £500
  • Top-up your Cash ISA during the tax year at their competitive rate
  • Fee-free withdrawals from the fixed rate are permitted at the end of the fixed term
Why we like it:

While Bank of Cyprus doesn’t have a lot of branches, they do provide excellent customer service and a high interest rate. The added bonus of being able to make deposits throughout the year and switch between fixed and variable rates, makes this account unique.

3) Post Office Fixed Rate ISA

Features:

  • A competitive fixed interest rate
  • You must have a minimum of £500 to invest
  • No access to your savings until the end of the agreed fixed term
  • One year fixed term

Interest is calculated daily and paid annually on the anniversary of the account opening.

Why we like it:

The Post Office offer a simple and uncomplicated service. They also have one of the greatest amount of branches of any bank, which is useful for people in rural areas. Their interest rate is competitive and their minimum deposit rate is a lot lower than other fixed ISAs.

4) Aldermore Fixed Rate ISA

Aldermore offer a flexible fixed rate cash ISA. You can choose how long to tie your money up as they offer 1,2 and 3 year contracts.

Features:

  • All interest tax free for the duration of your term.Flexibility to split your ISA allowance between any of their Cash ISA products, as long as you don’t exceed your annual ISA allowance
  • The ability to withdraw money from a Fixed Rate Cash ISA from this tax year or previous tax years. You can replace the money you’ve withdrawn without the replacement counting towards your annual ISA subscription limit, providing you replace the money in the same tax year that you withdraw it
Why we like it:

Aldermore offer a very flexible way to save. Not only are you free from the usual ties which stop you from withdrawing money but they have a range of terms to choose from. They offer a competitive rate of interest and an easy to use service.

Check our comparison tables for latest rates and offers.

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

Income ISA offers up to 7.60% pa paid quarterly

9th October 2017

Inflation reached as high as 2.9% in August as reported by the Office for National Statistics (ONS). As a result, many individuals are looking for ways to receive more income to combat the effect of rising inflation. 

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ISA.co.uk is a trading style of Fair Investment Company.

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

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