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Latest Fixed-Rate Cash ISA deals

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.10%
  • Term: 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) 1.05%
  • Term: 2 Year

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 0.85%
  • Term: 1 Year

2 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 0.80%
  • 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 NatWest

Interest Rate (AER) 0.10%
  • Term: 1 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

2 Year Fixed Rate Cash ISA

from NatWest

Interest Rate (AER) 0.10%
  • Term: 2 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

1 Year Fixed Rate Cash ISA

from Royal Bank of Scotland

Interest Rate (AER) 0.10%
  • Term: 1 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

2 Year Fixed Rate Cash ISA

from Royal Bank of Scotland

Interest Rate (AER) 0.10%
  • Term: 2 Year
  • Instant access – manage your account by phone, in-branch and online
  • Open from £1000
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

2 Year Fixed Rate Cash ISA

from Santander

Interest Rate (AER) Up to 0.20%
  • Term: 2 Years
  • Tax free ISA account
  • Open with £500 or transfer in existing ISA funds
  • 0.20% AER/tax-free for 2 years for savings of £500 and over if you're part of 1|2|3 World or Santander Select
  • FSCS Protected
  • 0.10% for balances of £40,000 or over, 0.01% for balances under £40,000
  • Must be UK resident
  • Must be aged 16 or older

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) 0.87%
  • Term: 3 Years
  • 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:

  1. The minimum ISA deposit
  2. Additional bonus rates available
  3. How the interest is calculated
  4. 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. 

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs: 

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare Stocks and Shares ISAs:

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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

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