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​Best Cash ISA Interest Rates

Fixed Rate Cash ISAs

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.45%
  • 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) 1.60%
  • 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) 1.70%
  • 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)

Best Cash ISA Interest Rates

When trying to find the right Cash ISA for you, shopping around thoroughly to try and find the best cash ISA rates available may help you make your decision, you can use this website to compare a selection of ISAs from different providers.

Choosing an ISA

You can only open up to one, cash ISA in each tax year, although it may be possible to transfer accounts. It is therefore important to try and find the Cash ISA product that best suits the way you wish to save, you may therefore want to considering things such as the minimum required opening balance for different accounts and whether you feel an instant access or fixed-rate ISA would be better for you.

  • Instant Access Cash ISAs: Usually allow unlimited, free withdrawals from the account and deposits up to your maximum ISA allowance. This means savers can access their money relatively easy should they decide to use it for other things over the terms of the ISA. These types of account usually offer a variable rate of interest.
  • Fixed Rate Cash ISAs: Typically require a saver to lock their money into the account for a predefined period of time. During this period of time savers have very restricted access to the money within the account, some accounts may allow early withdrawals however these types of account tend to impose a penalty, based up a set number of days worth of interest for doing so. In return for locking their cash into the account savers receive a fixed rate of interest, meaning it’s possible to calculate exactly how much they stand earn in interest from the ISA over its course. Fixed-rate ISAs tend be offered on a term of: 1, 2, 3 or 5 years.

Eligibility

In order to be eligible for a Cash ISA you must be:

  • Aged at least 16 years old
  • A resident of the UK, if you do not live in the UK then you must be either a Crown Servant or the spouse/civil partner of one.

Transfers

You can transfer an ISA at any time, and it is possible to transfer between different types of ISA such as from an Investment ISA to a Cash ISA or vice versa. While all providers are required to allow account holders to transfer out, they can place some restrictions on doing so or impose a penalty of a set amount of times worth of interest for doing so. ISA providers also do not have to allow transfers-in from other accounts, meaning that if you have been thinking of transferring you should first check that the ISA you wish to move to accepts transfers in.

ISA transfers should take no longer than 15 working days for a Cash ISA and 30 working days for a Stocks and Shares ISA. 

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

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 much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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