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TSB 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.

Easy Access Cash ISAs

Instant ISA Saver

from Nationwide

Interest Rate (AER) up to 0.50%
  • Term: Instant Access
  • Instant access
  • 0.30% interest on balances between £1 and £9,999, 0.40% on balances between £10,000 and £49,999, 0.50% on balances of £50,000 and above
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older
  • Must be UK resident

Calculate your interest with this plan

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

ISA Saver

from Halifax

Interest Rate (AER) 0.60%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • 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)

Easy ISA

from Santander

Interest Rate (AER) 0.60%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • FSCS Protected
  • 0.60% for balances of £40,000 or over, 0.20% 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)

Cash ISA Saver

from Lloyds Bank

Interest Rate (AER) 0.35%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • 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)
Deposit Cash ISAs

FTSE 100 6 Year Deposit Plan

from Investec

ISA Option
Maximum Potential Return 42.00% at end of term
  • Deposit Taker: Investec Bank plc
  • Term: 6 years

"This plan offers a potential fixed return of 42%, provided the FTSE 100 Index at the end of the term is higher than its value at the start of the plan (subject to averaging). As with other cash deposits, your capital is also eligible for FSCS* protection.

The 42% return is equivalent to 6.38% compound growth each year, which is well over double the best fixed rate bond, and more than 4% per year higher than the top fixed rate Cash ISA.

The downside is that the return is not guaranteed, and so if the FTSE ends lower, you only get your initial capital back.”

  • 42% fixed return if the Index is higher
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • Returns not guaranteed. You may only receive a return of your original capital
  • Minimum deposit £3,000
  • Plan designed to be held for full term

Calculate your interest with this plan

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

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

The Callable Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 7.00% pa or 2 x FTSE growth
  • Deposit Taker: Goldman Sachs International Bank
  • Term: Up to 7 years

Why we like it: The previous issue of this plan had already proved popular - this latest release offers the potential for 7% p.a. interest, along with the same capital protection you would get with a traditional cash deposit.”

  • Plan can be ended early by Deposit Taker
  • 1.75% per quarter (7% pa) if plan ends early
  • 2 x FTSE 100 Index growth if plan runs full term
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • If plan runs full term returns not guaranteed. You may only receive a return of your original capital
  • Minimum investment £10,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Calculate your interest with this plan

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

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Goldman Sachs) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

FTSE 100 6 Year Defensive Deposit Plan

from Investec

ISA Option
Maximum Potential Return 22.50% at end of term
  • Deposit Taker: Investec Bank plc
  • Term: 6 years
  • 22.5% fixed return if the Index is higher than 75% of its Initial Level
  • Capital protected product*
  • Minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Returns not guaranteed. You may only receive a return of your original capital
  • Minimum deposit £3,000
  • Plan designed to be held for full term

Important Information: *The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.

What are ISAs

An ISA is an individual savings account that offers the chance for individuals to earn up to £20,000 tax-free interest.

Not only can those who subscribe to an ISA benefit from tax-free interest from savings, but also enjoy the freedom to invest from their ISA and avoid paying tax on their returns.

Fixed rate ISAs

Cash ISAs are very popular, as they give you the opportunity to earn interest as well as instant access to your savings. The issue with cash ISAs is that they rarely offer you competitive interest.

A fixed rate ISA is an ISA that requires you to leave your savings in the ISA for the duration of the fixed term. As a reward for not making a withdrawal from the fixed rate ISA, you will earn competitive tax-free interest. 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.

TSB fixed rate ISAs

TSB provides both business and personal banking services. They have a range of accounts available with flexible access to your money, including fixed rate ISAs.

TSB offers a range of financial services, but their main fixed rate product is a 2 year fixed rate ISA. This ISA gives you the choice between monthly and annual interest, with a minimum deposit of £2,000 and competitive interest.

If you are prepared to put your savings away for 2 years, then you might want to look into subscribing to TSB’s 2 year fixed rate ISA.

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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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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