{"id":352758,"date":"2020-12-01T10:38:56","date_gmt":"2020-12-01T10:38:56","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=352758"},"modified":"2026-07-23T16:29:57","modified_gmt":"2026-07-23T15:29:57","slug":"fixed-rate-isas","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-isas","title":{"rendered":"Fixed-rate cash ISAs"},"content":{"rendered":"<div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">Be first to know about new deals<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, tips and a chance to <strong>win \u00a3100!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" placeholder=\"Enter your email\" name=\"email\" data-prefill=\"me.notes.createAccountEmail\">\n                            <button class=\"email-btn\">\n                                <span class=\"btn-text\">Sign up<\/span>\n                                <span class=\"loading-spinner\"><\/span>\n                            <\/button>\n                        <\/div>\n                        <p class=\"error-msg\"><span class=\"error-msg-text\">Error placeholder<\/span> <span class=\"error-msg-sign-in\"> Click <a class=\"error-msg-sign-in-link\" href=\"https:\/\/www.finder.com\/uk\/user-profile\/sign-in?returnTo=https%3A%2F%2Fwww.finder.com%2Fuk%2Fuk%2Fwp-json%2Fwp%2Fv2%2Fpages%2F352758\">here<\/a> to sign in<\/span><\/p>\n                    <\/div>\n                    <div class=\"links\">\n                                                    <a href=\"https:\/\/finder.com\/uk\/about-us\/competition-winners\">Winners<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\">Emails<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\">Unsubscribe<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">Privacy<\/a>                                             <\/div>\n                <\/div>\n            <\/div>\n                <div class=\"hide-btn\">\n            Hide\n            <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\">\n                <use xlink:href=\"#chevron-down\"><\/use>\n            <\/svg>\n        <\/div>\n    <\/div>\n<\/div>\n\n<p>A cash ISA can be an excellent way of shielding your savings from tax and fixed rates can be especially useful when interest rates are likely to fall. Fixed-rate cash ISAs give you interest at a rate that\u2019s locked in for a set period \u2013 usually from 1 to 5 years. <\/p><h3>What is a fixed-rate cash ISA?<\/h3><p>A cash ISA is a savings account in which you\u2019ll pay no tax on interest earned. There is a maximum amount of money you can deposit into a cash ISA per tax year. For the 2026\/2027 tax-year (which ends at midnight on 5 April), the maximum allowance is \u00a320,000.<\/p><p>With a fixed-rate cash ISA, the interest rate is fixed for a specific time. The longer the fixed-rate period, the higher you can expect the interest rate to be. However, the trade-off is that you will pay a penalty to withdraw funds during this fixed-rate period. Plus, you usually can\u2019t contribute additional funds after opening your account.<\/p><p>There are plenty of cash ISAs to choose from with fixed rates of 1, 2, 3, 4 or 5 years. Cash ISAs with longer fixed-rate periods are sometimes available but are rarer.<\/p><h3>How does a fixed-rate cash ISA work?<\/h3><p>You apply to open a fixed-rate cash ISA as you would any other type of savings account \u2013 usually online, over the phone or in person. Your bank will ask for various personal details. You\u2019ll need to make an initial deposit to open the account, although this could be as little as \u00a31 in some cases.<\/p><p>On 6 April 2024, the ISA rules changed so you can now pay into multiple cash ISAs in one tax year. In the past, you could only deposit \u201cnew\u201d funds into one cash ISA per year. <\/p><p>You can also transfer money between ISAs without using your allowance. But when transferring, make sure you follow the procedure laid out by your old and new cash ISA provider. Simply withdrawing from the old account and depositing it into the new one will mean you\u2019ll lose the tax-free status on the amount that\u2019s already saved.<\/p><p>Interest will be paid monthly or annually, depending on your choice of provider. Your provider will enforce limits on deposits and withdrawals just as it would with any other account.<\/p><h3>Fixed Rate ISA analysis with a transfer bonus<\/h3>\nWhile it's tempting to focus solely on interest rates when hunting for the best cash ISA, the total value often lies in the perks. For instance, iFAST Global Bank is currently offering a cashback bonus on ISA transfers. Once you factor in these bonuses, a standard rate suddenly transforms into a market-leading deal.\n<br>\n<br>\niFAST Global Bank's 1-Year Fixed Rate ISA offers a 4.20% AER, alongside tiered cashback rewards ranging from \u00a3100 to \u00a3500 depending on your deposit size. For example, transferring \u00a320,000 would yield \u00a3844 in interest at maturity, plus \u00a3100 in cashback, bringing your total one-year earnings to \u00a3944. For larger transfers of \u00a3100,000 or more, the combined interest and cashback reach \u00a34,723.01. Thanks to that cashback boost, the overall return from iFAST Global Bank actually beats the current top standalone rate of 4.70% AER from Al Rayan Bank (via Meteor Savings).\n<br>\n<br>\n<h3>With a \u00a320,000 deposit<\/h3>\n\n<table class=\"luna-table provider-comparison\" id=\"provider-comparison-20k\">\n    <thead class=\"luna-table__header\">\n        <tr>\n            <th scope=\"col\">Deposit level<\/th>\n            <th scope=\"col\">Provider<\/th>\n            <th scope=\"col\">Interest rate<\/th>\n            <th scope=\"col\">Interest earned<\/th>\n            <th scope=\"col\">Cashback reward<\/th>\n            <th scope=\"col\">Total 1-year earnings<\/th>\n            <th scope=\"col\">Net advantage<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody class=\"luna-table__body\">\n        <tr>\n            <td>\u00a320,000<\/td>\n            <th scope=\"row\" data-brand=\"ifast\">iFAST Global Bank<\/th>\n            <td>4.20%<\/td>\n            <td>\u00a3844.00<\/td>\n            <td>\u00a3100.00<\/td>\n            <td>\u00a3944.00<\/td>\n            <td>\u2014<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a320,000<\/td>\n            <th scope=\"row\" data-brand=\"alrayan\">AlRayan Bank<\/th>\n            <td>4.70%<\/td>\n            <td>\u00a3940.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a3940.00<\/td>\n            <td><strong>+\u00a34.00<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a320,000<\/td>\n            <th scope=\"row\" data-brand=\"nationwide\">Nationwide<\/th>\n            <td>4.50%<\/td>\n            <td>\u00a3900.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a3900.00<\/td>\n            <td><strong>+\u00a344.00<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a320,000<\/td>\n            <th scope=\"row\" data-brand=\"virgin\">Virgin Money<\/th>\n            <td>4.41%<\/td>\n            <td>\u00a3882.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a3882.00<\/td>\n            <td><strong>+\u00a362.00<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a320,000<\/td>\n            <th scope=\"row\" data-brand=\"barclays\">Barclays<\/th>\n            <td>4.40%<\/td>\n            <td>\u00a3880.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a3880.00<\/td>\n            <td><strong>+\u00a364.00<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a320,000<\/td>\n            <th scope=\"row\" data-brand=\"lloyds\">Lloyds<\/th>\n            <td>4.30%<\/td>\n            <td>\u00a3860.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a3860.00<\/td>\n            <td><strong>+\u00a384.00<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a320,000<\/td>\n            <th scope=\"row\" data-brand=\"santander\">Santander<\/th>\n            <td>4.30%<\/td>\n            <td>\u00a3860.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a3860.00<\/td>\n            <td><strong>+\u00a384.00<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n\n<h3>With a \u00a350,000 deposit<\/h3>\n\n<table class=\"luna-table provider-comparison\" id=\"provider-comparison-50k\">\n    <thead class=\"luna-table__header\">\n        <tr>\n            <th scope=\"col\">Deposit level<\/th>\n            <th scope=\"col\">Provider<\/th>\n            <th scope=\"col\">Interest rate<\/th>\n            <th scope=\"col\">Interest earned<\/th>\n            <th scope=\"col\">Cashback reward<\/th>\n            <th scope=\"col\">Total 1-year earnings<\/th>\n            <th scope=\"col\">Net advantage<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody class=\"luna-table__body\">\n        <tr>\n            <td>\u00a350,000<\/td>\n            <th scope=\"row\" data-brand=\"ifast\">iFAST Global Bank<\/th>\n            <td>4.20%<\/td>\n            <td>\u00a32,111.51<\/td>\n            <td>\u00a3250.00<\/td>\n            <td>\u00a32,361.51<\/td>\n            <td>\u2014<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a350,000<\/td>\n            <th scope=\"row\" data-brand=\"alrayan\">AlRayan Bank<\/th>\n            <td>4.70%<\/td>\n            <td>\u00a32,350.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a32,350.00<\/td>\n            <td><strong>+\u00a311.51<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a350,000<\/td>\n            <th scope=\"row\" data-brand=\"nationwide\">Nationwide<\/th>\n            <td>4.50%<\/td>\n            <td>\u00a32,250.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a32,250.00<\/td>\n            <td><strong>+\u00a3111.51<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a350,000<\/td>\n            <th scope=\"row\" data-brand=\"virgin\">Virgin Money<\/th>\n            <td>4.41%<\/td>\n            <td>\u00a32,205.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a32,205.00<\/td>\n            <td><strong>+\u00a3156.51<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a350,000<\/td>\n            <th scope=\"row\" data-brand=\"barclays\">Barclays<\/th>\n            <td>4.40%<\/td>\n            <td>\u00a32,200.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a32,200.00<\/td>\n            <td><strong>+\u00a3161.51<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a350,000<\/td>\n            <th scope=\"row\" data-brand=\"lloyds\">Lloyds<\/th>\n            <td>4.30%<\/td>\n            <td>\u00a32,150.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a32,150.00<\/td>\n            <td><strong>+\u00a3211.51<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a350,000<\/td>\n            <th scope=\"row\" data-brand=\"santander\">Santander<\/th>\n            <td>4.30%<\/td>\n            <td>\u00a32,150.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a32,150.00<\/td>\n            <td><strong>+\u00a3211.51<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n\n<h3>With a \u00a3100,000 deposit<\/h3>\n\n<table class=\"luna-table provider-comparison\" id=\"provider-comparison-100k\">\n    <thead class=\"luna-table__header\">\n        <tr>\n            <th scope=\"col\">Deposit level<\/th>\n            <th scope=\"col\">Provider<\/th>\n            <th scope=\"col\">Interest rate<\/th>\n            <th scope=\"col\">Interest earned<\/th>\n            <th scope=\"col\">Cashback reward<\/th>\n            <th scope=\"col\">Total 1-year earnings<\/th>\n            <th scope=\"col\">Net advantage<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody class=\"luna-table__body\">\n        <tr>\n            <td>\u00a3100,000<\/td>\n            <th scope=\"row\" data-brand=\"ifast\">iFAST Global Bank<\/th>\n            <td>4.20%<\/td>\n            <td>\u00a34,223.01<\/td>\n            <td>\u00a3500.00<\/td>\n            <td>\u00a34,723.01<\/td>\n            <td>\u2014<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a3100,000<\/td>\n            <th scope=\"row\" data-brand=\"alrayan\">AlRayan Bank<\/th>\n            <td>4.70%<\/td>\n            <td>\u00a34,700.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a34,700.00<\/td>\n            <td><strong>+\u00a323.01<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a3100,000<\/td>\n            <th scope=\"row\" data-brand=\"nationwide\">Nationwide<\/th>\n            <td>4.50%<\/td>\n            <td>\u00a34,500.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a34,500.00<\/td>\n            <td><strong>+\u00a3223.01<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a3100,000<\/td>\n            <th scope=\"row\" data-brand=\"virgin\">Virgin Money<\/th>\n            <td>4.41%<\/td>\n            <td>\u00a34,410.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a34,410.00<\/td>\n            <td><strong>+\u00a3313.01<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a3100,000<\/td>\n            <th scope=\"row\" data-brand=\"barclays\">Barclays<\/th>\n            <td>4.40%<\/td>\n            <td>\u00a34,400.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a34,400.00<\/td>\n            <td><strong>+\u00a3323.01<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a3100,000<\/td>\n            <th scope=\"row\" data-brand=\"lloyds\">Lloyds<\/th>\n            <td>4.30%<\/td>\n            <td>\u00a34,300.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a34,300.00<\/td>\n            <td><strong>+\u00a3423.01<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n        <tr>\n            <td>\u00a3100,000<\/td>\n            <th scope=\"row\" data-brand=\"santander\">Santander<\/th>\n            <td>4.30%<\/td>\n            <td>\u00a34,300.00<\/td>\n            <td>\u00a30.00<\/td>\n            <td>\u00a34,300.00<\/td>\n            <td><strong>+\u00a3423.01<\/strong> (iFAST Global Bank)<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n\n<p><i>*Rates are correct as of 15 July 2026 and are subject to change.<\/i><\/p>\n\n<p><i>Net Advantage is calculated as the difference between iFAST Global Bank's total first-year net earnings (including applicable cashback) and the total first-year net earnings of each comparator shown in the table.<\/i><\/p>\n<h3>How can you add money to a fixed-rate ISA?<\/h3><p>You can fund a new fixed-rate ISA by depositing funds from another account or paying cash at your local bank branch (if you\u2019re saving with a high street bank). <\/p><p>You are usually given a window of time to deposit new money into the account. Once that time has passed, most fixed-rate cash ISAs won\u2019t allow you to top-up your account later.<\/p><p>Fixed-rate ISA providers will also normally accept transfers from an existing cash ISA. If you decide to move money from an existing ISA, make sure you follow the ISA transfer process so you don\u2019t lose your ISA allowance used in previous years.<\/p><h3>How to find the best fixed-rate cash ISA<\/h3><p>First, you\u2019ll need to decide how long you\u2019re happy to tie up your funds. Remember, you\u2019re not permitted to withdraw funds during the fixed-rate period.<\/p><p>Once you\u2019ve decided on a timeline, the most important factor to consider is the interest rate paid on your balance. You can find the best interest rate for your desired fixed-rate period using a price comparison website.<\/p><p>Another factor you might want to consider is the provider\u2019s policy on early withdrawals. That said, aim never to have to withdraw your funds.<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>If you\u2019re not at risk of exceeding your personal savings allowance, then you might be better off with a non-ISA account, which tend to pay better rates.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Katherine Denham, award-winning personal finance expert<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>Pros and cons of a fixed-rate cash ISA<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>You'll pay no tax on interest earned in these accounts.<\/li>\n                                    <li>Higher rates are available with longer fixed-rate periods.<\/li>\n                                    <li>If savings interest rates go down, yours won't.<\/li>\n                                    <li>You can pay into multiple cash ISAs each year.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>There are annual limits for how much you can deposit.<\/li>\n                                    <li>Early withdrawals are not permitted (without forfeiting interest).<\/li>\n                                    <li>If savings interest rates go up, yours won't.<\/li>\n                                    <li>Cash ISAs often pay lower interest rates than non-ISA savings accounts.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Which are the best fixed-rate cash ISAs at the moment?<\/h3><p>Our best fixed-rate cash ISAs are the highest interest rates available. To get the latest rates, we use Defaqto data, which covers nearly the full market of savings products and is checked and updated daily. We don\u2019t include accounts from private banks.<\/p><p>All the cash ISAs in our list have savings protection \u2013 for most, this is the Financial Services Compensation Scheme (FSCS). Other schemes include NS&amp;I, which is 100% backed by HM Treasury, and the Gibraltar Deposit Guarantee Scheme.<\/p>    <ul>\n                              <li>Close Brothers Ltd Close Savings 5 Year Fixed Rate Cash ISA - <strong>4.85%<\/strong><\/li>\n                                      <li>Leek Building Society 5 Year Fixed Rate Fixed Term Cash ISA - <strong>4.85%<\/strong><\/li>\n                                                      <li>Hinckley &amp; Rugby Building Society 5 Year Fixed Rate Cash ISA Issue 21 - <strong>4.82%<\/strong><\/li>\n                                      <li>Castle Trust Bank 5 Year Fixed Rate e-Cash ISA - <strong>4.81%<\/strong><\/li>\n                                      <li>Tandem 5 Year Fixed Rate Cash ISA - <strong>4.81%<\/strong><\/li>\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            <\/ul>\n<h3 id=\"fixed-bond-vs-isa\">Fixed-rate ISA or fixed-rate bond?<\/h3><p>There are some key differences between these 2 account types:<\/p><ul><li>Interest earned in an ISA product is not taxable.<\/li><li>You can pay up to a maximum of \u00a320,000 per tax year into a cash ISA, while the bond provider sets the maximum for a fixed-rate bond and it typically runs into hundreds of thousands.<\/li><li>Banks are legally obliged to let you access your funds held in an ISA at any time (but they can charge you a penalty to do so). By contrast, funds held in bonds are typically only released early if the account holder passes away or goes bankrupt.<\/li><li>Interest rates tend to be higher on fixed-rate bonds, compared to fixed-rate ISAs. However, this isn\u2019t always the case, so it\u2019s worth checking both for the term you have in mind.<\/li><\/ul><p>There are also plenty of similarities. For example, you\u2019re guaranteed a specific rate for an agreed term with both account types, and you usually can\u2019t add more money during the term.<\/p><h3>An overview of our fixed-rate cash ISAs comparison<\/h3><table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Rates up to<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n4.85% AER\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n763\n<\/td>\n<\/tr>\n<tr>\n<th>Number of brands<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n85\n<\/td>\n<\/tr>\n<tr>\n<th>Terms<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n  3 months - 7 years <\/td>\n<\/tr>\n<tr>\n<th>Minimum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a30\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum investment<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a39,000,000\n<\/td>\n<\/tr>\n<tr>\n<th>Opening options<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nWebsite, branch, post, mobile app, telephone<\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Bottom line<\/h3><p>In the past, interest rates were so low that the benefits of cash ISAs simply weren\u2019t meaningful for most people because very few savers would exceed their personal savings allowance. This is \u00a31,000 per year for basic rate taxpayers and \u00a3500 per year for higher rate taxpayers (additional rate taxpayers have no personal savings allowance), and you can earn up to this amount in savings interest without paying tax. But now that interest rates are higher, more savers are likely to get caught out by tax, meaning cash ISAs are relevant again.<\/p><p>If you have a lump of cash ready to invest in one and don\u2019t think you\u2019ll need it for a while, a fixed-rate cash ISA could allow you to access some of the best rates in the market.<\/p><p>However, it\u2019s hard to call where interest rates will be in 2 to 5 years, so fixing for longer periods won\u2019t be for everyone.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How many cash ISAs can I have?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Before 6 April 2024, you could only open and deposit money into one cash ISA in a tax year, but the rules have now changed to allow you to pay into multiple cash ISAs.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What is the annual ISA allowance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>For the 2026\/2027 tax year, you can pay up to \u00a320,000 into an ISA. You can save this amount into one type of account or split it across some or all of the different types of ISA (cash, stocks and shares, lifetime and innovative finance ISA).<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">FREE interest rate alerts<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, expert tips, and a chance to <strong>win \u00a3100!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" 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more.<\/p>\n","protected":false},"author":645,"featured_media":223189,"parent":17053,"menu_order":0,"comment_status":"open","ping_status":"open","template":"page-nb-table-with-filters.php","meta":{"_yoast_wpseo_focuskw":"Best fixed-rate cash Isa","_yoast_wpseo_title":"Best fixed-rate cash ISAs up to [nb:highest-value niche_code=\"UKFSA-SAV\" record_type=\"PRODUCT\" field=\"MONEYFACTS.RATE1_GROSSAER\" record_set_id=\"6c775f88-1f96-4d86-85e3-182ffd8f65e7\" decorated=\"true\"]","_yoast_wpseo_metadesc":"Choose accounts you can keep topping up or accounts where you lock a set amount away for a set period.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"1331","post_reviewer_date":"2026-05-20T15:57:50","post_reviewer_manual_date_checked":"false","post_editor":"977","post_editor_date":"","post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-05-20 14:57:50\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We fact checked our guide to ensure it is up to date and accurate.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"tags":[],"class_list":["post-352758","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best fixed-rate cash ISAs up to 4.85%<\/title>\n<meta name=\"description\" content=\"Choose accounts you can keep topping up or accounts where you lock a set amount away for a set period.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-isas\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta 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