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Virgin Money Fixed Rate ISAs

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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)

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.  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:

  1. TV is available all day to keep up with the latest news, they also provide the day’s newspapers and a selection of magazines.
  2. Free Wi-Fi and use of iPads
  3. You’re welcome to bring a friend or family member in with you.
  4. 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.
  5. 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.

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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