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Fixed Rate ISA Calculator

Latest Fixed-Rate Cash ISA deals

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 returns.

Fixed Rate Cash ISAs

7 Year Fixed Rate Cash ISA

from Shawbrook Bank

Interest Rate (AER) 1.25%
  • Term: 7 Years
More Info Show Details
  • Interest can be paid monthly or annually
  • ISA transfers in allowed
  • £250,000 maximum balance
  • FSCS Protected
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted

Calculate your interest with this plan

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

5 Year Fixed Rate Cash ISA

from Shawbrook Bank

Interest Rate (AER) 1.10%
  • Term: 5 Years
More Info Show Details
  • Interest can be paid monthly or annually
  • ISA transfers in allowed
  • £250,000 maximum balance
  • FSCS Protected
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted

Calculate your interest with this plan

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

3 Year Fixed Rate Cash ISA

from Shawbrook Bank

Interest Rate (AER) 0.75%
  • Term: 3 Years
More Info Show Details
  • Interest can be paid monthly or annually
  • ISA transfers in allowed
  • £250,000 maximum balance
  • FSCS Protected
  • Must be UK resident and aged 18 or older
  • No withdrawals permitted

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, can give you the opportunity to earn up to £20,000 tax-free interest on your savings.

The benefits of an ISA are not restricted to tax-free interest on your savings, you can also enjoy tax-free returns from any investments your make through your ISA.

Fixed rate ISAs

Cash and instant access ISAs are very popular, as you can access tax-free interest and make a withdrawal of any size at your convenience. However, a common complaint about cash ISAs is that they rarely offer you competitive interest, which could make the tax-free interest not as appealing.

A fixed rate ISA is an ISA that offers you the chance to get a higher rate of interest than cash or instant access ISAs. In order to access this higher rate of interest, fixed rate ISAs require you to leave your savings untouched in the ISA for the full duration of the fixed term. The longer you are prepared to leave your savings, the higher the interest you will receive.

When looking at your ISA options you may want to weigh up what is more important to you: unlimited access to your savings or higher interest rates?

If you are confident that you will not require access to your savings in the near future, then a fixed rate ISA could be an attractive option for you.

Fixed rate ISA calculator

When deciding on which fixed rate ISA to choose, you should always review the following:

  • The minimum ISA deposit
  • Additional bonus rates available
  • How the interest is calculated
  • Early closure penalties

If you want to open a fixed rate ISA account, then you should find out which ISA suits your financial needs. Our fixed rate ISA table above shows some of the best fixed rate ISA deals on the market. 

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

Is An Investment ISA a Good Idea?

29th July 2020

If you're new to investing you will have come across the term "Investment ISA" or "Stocks and Shares ISA" which are ISA accounts designed specifically designed to maximise tax-free returns on your investments. But are these a good idea? 

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