Compare Fixed Rate Cash ISAs

Compare all the best fixed rate Cash ISAs in the UK in seconds & find the fixed rate Cash ISA saving bond that will pay you the highest interest rates on your tax free savings. Our top fixed rate cash ISA comparison table makes it easy to find the fixed term ISA savings account that's right for you.
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Halifax 5 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5002.50% fixed
for 5 years
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 365 days gross interest.
 
Halifax 4 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5002.40% fixed
for 4 years
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 320 days gross interest.
 
Halifax 3 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5002.25% fixed
for 3 years
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 270 days gross interest.
 
Halifax 2 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5002.05% fixed
for 2 years
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 180 days gross interest.
 
Halifax 18 Month ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5002.00% fixed
for 18 months
FSCSallowed
No withdrawals allowed except on early closure subject to the loss of 135 days gross interest.
 
Aldermore 3 Year Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0002% fixed
for 3 years
FSCSallowed
 
Aldermore 2 Year Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0001.8% fixed
for 2 years
FSCSallowed
 
Halifax 1 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5001.65% fixed
for 1 year
FSCSallowed
No additional deposits or withdrawals. Early closure is allowed subject to the loss of 90 days tax free interest.
 
Skipton 5 Year Fixed Rate ISA to 16/05/2019
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5003% fixed
for 5 years (16 May 2019)
FSCSallowed
 
Cambridge Building Society 5 Year Fixed Rate ISA Issue 4 Ex/C
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5002.75% fixed
for 5 years
FSCSnot allowed
Available only to customers with an existing Cambridge ISA maturing on or after 16th January 2014.
 
Coventry Building Society Fixed Rate ISA (21) 31.05.2018
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5,9402.75% fixed
until 31 May 2018
FSCSnot allowed
 
Newcastle Build. Soc. Fixed Rate Options ISA Issue 100
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5002.75% fixed
until 20 May 2019
FSCSallowed
 
Principality Building Society 5 Year Fixed Rate Cash ISA Issue 126
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5002.75% fixed
for 5 years
FSCSallowed
 
United Trust Bank 5 Year Fixed Cash ISA (Transfers In Only)
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£5,0002.75% fixed
for 5 years
FSCSallowed
 
Punjab National Bank (International) Ltd 5 Year Fixed Rate ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0002.7% fixed
for 5 years
FSCSallowed
Available in branch only.
 
Punjab National Bank (International) Ltd 5 Year Fixed Rate ISA Maturity
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0002.7% fixed
for 5 years
FSCSallowed
Available in branch only.
 
Nationwide 5 Year Fixed Rate ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£12.5% fixed
for 5 years
-allowed
Available in branch only.
 
Punjab National Bank (International) Ltd 4 Year - < 5 Year Fxd Rate ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0002.5% fixed
for 4 years
FSCSallowed
Available in branch only.
 
Punjab National Bank (International) Ltd 4 Year - < 5 Year Fxd Rate ISA Maturity
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£1,0002.5% fixed
for 4 years
FSCSallowed
Available in branch only.
 
Lloyds Bank Four Year Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeISA Transfers In
£3,0002.4% fixed
for 4 years
on £20,000+
FSCSallowed
 

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How to Compare Fixed Rate Cash ISAs

Find out how to choose the fixed rate cash ISA that will help you maximise the return on your savings.

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A fixed rate cash ISA savings account is an Individual Savings Account that guarantees a predetermined rate of return over a specific time frame. This is unlike an instant access cash ISA where the interest rate can vary at the ISA provider's discretion.

A fixed rate cash ISA can be a great option if the best cash ISA rates available in the market drop during the term of the fixed rate account as you’ll be earning more interest than would otherwise be possible.

On the other hand, you would lose out on better returns from the best cash ISA fixed rates if the overall market interest rates for ISAs do go up during the fixed term. This is something you need to take into account when you’re deciding how long to fix for.

The limits for investing in a fixed rate ISA are not any different from that of variable cash ISAs. Consequently for the 2013/2014 tax year you can save up to £5,760 in a fixed rate cash ISA, which is an increase from £5,640 in 2012/13.

Officially, there is no minimum ISA investment but many fixed rate ISA providers specify a minimum investment of £100 or £500 for you to open a fixed rate cash ISA. There are some thought that will require a minimum balance of thousands in return for their preferential fixed cash ISA rates.

When you compare the cash ISA accounts on offer from different ISA providers you need to check factors like minimum investment, total investment and whether transfers in from other ISA providers are accepted in order to find the best account.

Additionally, when choosing the fixed rate cash ISA investment that will work best for you, there are a couple of other things you need to take into consideration.

First, fixed rate cash ISAs differ in the length of their account term – this is the number of months or years you will need to commit your money to the account in return for a guaranteed rate of interest.

Generally, the longer the term of a fixed rate cash ISA, the higher the interest rate you are likely to get on your savings. Accounts with terms of between 1 and 5 years are available, but it’s the 5 year ISAs that offer the best fixed rate cash ISA rates.

Most fixed rate ISAs have penalties for early withdrawal so when choosing which fixed rate cash ISA will work best for you, start by evaluating how long you would be willing to wait before accessing your cash.

For instance, if you apply for a 3 year fixed rate cash ISA and, for some reason, find the need to take out the money after 1.5 years, the charges the ISA provider hits you with could negate any advantage of having opened the account as opposed to going for a 1 year fixed rate cash ISA or a variable rate cash ISA.

The penalty applied for early withdrawals is usually denoted as the equivalent of 90, 120 or 180 days interest. However, many providers will not allow you to access your money before the account term so this is something you need to check.

Some fixed rate cash ISA providers restrict transfers of ISAs from previous years. If you want to consolidate your previous years’ ISA balances into a new fixed rate ISA then whether transfers in are accepted is something that you will need to check before you apply for a new account.

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