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Virgin Money Fixed Rate ISAs

The Very Latest Cash ISA rates
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 return
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. 

Review of Virgin Money Fixed Rate ISA

If you're looking to take advantage of your tax-free savings allowance, then a Cash ISA could be the perfect place to start. Virgin Money was voted the best online Cash ISA provider in 2015 in the Your Money direct awards. They currently offer three types of ISA although none of these offer a fixed interest rate or have any introductory bonuses but they do offer a high rate of interest when compared to other ISAs.

It’s also important to remember that ISA allowance limits apply to everyone on an individual basis, so if you’re married or in a relationship, you can both hold your own ISA, each with the full allowance.

The accounts they offer include:

Easy Access Cash E-ISA Online

This account can be interest both monthly and annually and can be managed online via internet banking. With only a £1 minimum to open the account, this is a great way to start saving without having a large amount of money to begin with. This is a flexible ISA which allows you to withdraw whenever you need to.

Help to Buy: ISA Online

The first step to owning your first home, this is a government backed savings account with the ocus of helping people buy their first homes. It’s currently paid interest at 2% and you are able to save £200 a month after the initial £1200 maximum deposit.
You are able to withdraw your money but you won’t be eligible for the 25% bonus (a maximum of £3000) which the government provide once you go to buy your home.
Interest can be paid monthly or annually.

As standard with Virgin Money, you will get free access to their Lounges and a range of other perks and discounts within the Virgin product range. 

The Lounges include:

  • TV is available all day to keep up with the latest news, they also provide the day’s newspapers and a selection of magazines.
  • Free Wi-Fi and use of iPads
  • You’re welcome to bring a friend or family member in with you.
  • Free tea, coffee and a selection of other hot and cold drinks are always available to Lounge members, plus fruit and snacks are on offer throughout the day.
  • Full and anytime use of the customer toilets and baby changing facilities.

This is a great saving if you already subscribe to the Virgin Lounges or regularly use their services for holidays as you could really save.

ISAs have become less popular since the new PSA (Personal Savings Allowance) has allowed lower rate tax payers to save up to £1000 tax-free and higher rate tax payers up to £500 as many current accounts are now offering competitive rates of interest.

However, there are still some great deals around for savings and the Help to Buy is a great example of how you can make a savings account work for you.

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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