This comparison includes all cash ISAs with a fixed term and fixed interest rate.
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State Bank of India Online 5 Years Cash ISA Fixed Deposit
Term
5 years
Open With
£15,000
Interest Rate
2.5% AER fixed
Protection Scheme
-
ISA Transfers In
accepted
State Bank of India Online 1000 Days Cash ISA Fixed Deposit
Term
3 years
Open With
£15,000
Interest Rate
2.3% AER fixed
Protection Scheme
-
ISA Transfers In
accepted
Halifax 5 Year ISA Saver Fixed
Term
5 years
Open With
£500
Interest Rate
2.00% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
No withdrawals allowed except on early closure subject to the loss of 365 days tax-free interest.
Aldermore 3 Year Fixed Rate Cash ISA
Term
3 years
Open With
£1,000
Interest Rate
2% AER fixed
Protection Scheme
-
ISA Transfers In
accepted
Aldermore 2 Year Fixed Rate Cash ISA
Term
2 years
Open With
£1,000
Interest Rate
1.85% AER fixed
Protection Scheme
-
ISA Transfers In
accepted
Halifax 3 Year ISA Saver Fixed
Term
3 years
Open With
£500
Interest Rate
1.75% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
No withdrawals allowed except on early closure subject to the loss of 270 days tax-free interest.
Halifax 2 Year ISA Saver Fixed
Term
2 years
Open With
£500
Interest Rate
1.65% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
No withdrawals allowed except on early closure subject to the loss of 180 days tax-free interest.
Aldermore 1 Year Fixed Rate Cash ISA
Term
1 year
Open With
£1,000
Interest Rate
1.65% AER fixed
Protection Scheme
-
ISA Transfers In
accepted
Halifax 18 Month ISA Saver Fixed
Term
18 months
Open With
£500
Interest Rate
1.6% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
No withdrawals allowed except on early closure subject to the loss of 135 days tax-free interest.
NatWest 2 Year Fixed Rate ISA Issue 125
Term
15 Jun 2017
Open With
£1,000
Interest Rate
1.5% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
Interest will be paid at the rate of 1.50% AER/Gross (fixed) p.a. until the Fixed Rate ISA maturity date - 18th May 2017.
RBS 2 Year Fixed Rate ISA Issue 125
Term
15 Jun 2017
Open With
£1,000
Interest Rate
1.5% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
Interest will be paid at the rate of 1.50% AER/Gross (fixed) p.a. until the Fixed Rate ISA maturity date - 18th May 2017.
Halifax 1 Year ISA Saver Fixed
Term
1 year
Open With
£500
Interest Rate
1.4% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
No withdrawals allowed except on early closure subject to the loss of 90 days tax-free interest.
NatWest 1 Year Fixed Rate ISA Issue 124
Term
15 Jun 2016
Open With
£1,000
Interest Rate
1.25% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
Interest will be paid at the rate of 1.25% AER/Gross (fixed) p.a. until the Fixed Rate ISA maturity date - 18th May 2016.
RBS 1 Year Fixed Rate ISA Issue 124
Term
15 Jun 2016
Open With
£1,000
Interest Rate
1.25% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
Interest will be paid at the rate of 1.25% AER/Gross (fixed) p.a. until the Fixed Rate ISA maturity date - 18th May 2016.
Nottingham Building Society Starter ISA Issue 5
Term
05 Apr 2016
Open With
£10
Interest Rate
3% AER variable
Protection Scheme
FSCS
ISA Transfers In
not accepted
Available in branch only.
Punjab National Bank (International) Ltd 5 Year Fixed Rate ISA
Term
5 years
Open With
£1,000
Interest Rate
2.7% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
Available in branch only.
Punjab National Bank (International) Ltd 5 Year Fixed Rate ISA Maturity
Term
5 years
Open With
£1,000
Interest Rate
2.7% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
Available in branch only.
Clydesdale Bank Cash ISA Fixed Rate Bond (Private Issue 2) Ex/C
Term
31 Aug 2018
Open With
£2,000
Interest Rate
2.65% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
Yorkshire Bank Cash ISA Fixed Rate Bond (Private Issue 2) Ex/C
Term
31 Aug 2018
Open With
£2,000
Interest Rate
2.65% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
Punjab National Bank (International) Ltd 4 Year - < 5 Year Fxd Rate ISA
Term
4 years
Open With
£1,000
Interest Rate
2.5% AER fixed
Protection Scheme
FSCS
ISA Transfers In
accepted
Available in branch only.

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How to Compare Fixed Rate Cash ISAs

by Martin from money.co.uk

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

Man with piggy bank and coins

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 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.

How much can you save in ISAs?

The limits for investing in a fixed rate ISA are not any different from that of variable cash ISAs.

Consequently for the 2015/2015 tax year you can save up to 15,240 in a fixed rate cash ISA.

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.

Find the best fixed term ISA

Additionally, when choosing the best fixed rate cash ISA investment 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 the 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.

Transfer in to a fixed rate ISA

While the maximum amount of new money you can deposit in a fixed term Cash ISA is set by your annual personal allowance, you can still transfer funds from previous Cash ISAs in search of a better rate.

Some 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.

If you are looking to deposit money into a long term Cash ISA for the first time you're likely to be able to choose between all the long term cash ISAs on the market.