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M&S Fixed Rate ISAs

Latest Fixed-Rate Cash ISA deals
The 2018/19 ISA allowance is £20,000. Use your ISA allowance wisely by comparing our selection of market-leading fixed-rate cash ISAs to maximise your tax-free returns.
Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 1.75%
  • 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 Cynergy Bank

Interest Rate (AER) 1.75%
  • 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) 1.70%
  • 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)

1 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 1.63%
  • 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 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

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. 

What are ISAs

An ISA, also known as an individual savings account, gives you the opportunity to earn up to £20,000 tax-free interest.

If you subscribe to an ISA, then you can benefit from tax-free interest for your savings and enjoy the freedom to invest from your ISA and avoid paying tax on your investment returns.

Fixed rate ISAs

Although cash ISAs are popular, they do not often allow you to access competitive rates of interest.

If you are prepared to lock up your savings for a prolonged period of time, then you might want to consider fixed rate ISAs.

A fixed rate ISA requires you to leave your capital in the ISA for the entire fixed rate term. If you do not touch your capital for the fixed term, then you will receive a higher rate of interest on your capital than other ISAs.

M&S fixed rate ISAs

Marks & Spencer are well known for their success in the retail industry, but they also offer personal and business banking services. They provide a range of accounts including fixed rate ISAs, which offer competitive interest.

M&S have a wide range of financial services, and offer a number of different fixed rate products. M&S offer fixed rate products from 1 to 3 years. The M&S fixed rate ISAs allow you to choose between monthly or annual interest and you will need to deposit a minimum of £500. Although their ISAs are designed to run for the entire fixed term, you can withdraw your capital from the fixed rate ISA providing you are prepared to pay an early closure charge.

Next steps

If you want to explore your fixed rate ISA options, then review our table above. Our ISA table above provides some of the best ISAs available on the market, including ISAs from other lenders.

High Income ISAs

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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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