Compare Fixed Rate Cash ISAs

If you want to take advantage of your 2016/2017 cash ISA allowance and have money you can afford to lock away for a few years, a fixed rate cash ISA could be ideal. It pays a guaranteed amount of interest for a set length of time.

You can invest up £15,240 in a cash ISA. Some accounts also allow you to transfer in money invested in the previous tax year so you can maximise returns on all your tax-free savings.

These are the best accounts available to open through MoneySuperMarket. We can show you all the accounts on the market, but we can only help you to open some of them.

 

1 Year Fixed Rate Cash ISAs – Ordered by rate (AER)

  1. Great for
    Transferring existing ISA balances
    Online application and access
    Bank Of Cyprus is a UK based bank, with full FCA and FSCS regulation
    But be aware that
    If applying for a new cash ISA product, you need to complete your application before 31st March, as only transfers will be accepted between 1st and 5th April
    Withdrawals are not permitted within the fixed term
  2. Great for
    Transferring existing ISA balances
    Online application
    But be aware that
    Withdrawals/transfers of your capital investment prior to maturity are permitted, but they will be subject to 60 days' loss of interest
    Post and branch access only
  3. 2016 SUPERS

    Winner of the Best 'Cash ISA' Savings Provider

    Great for
    Fixed term ISA savers
    Transferring existing ISA balances
    But be aware that
    Withdrawals are not permitted within the fixed term
  4. Great for
    One year at 0.90% tax-free/AER fixed
    Full online application and access
    But be aware that
    Interest is calculated daily and paid annually on the anniversary of the account opening. At the end of the fixed term, the value along with any interest earned will be paid into the Holding Account of your Online ISA
    No additional deposits or withdrawals permitted during the fixed term
    If you need to close your product during the fixed term, a Breakage Charge will be applied, unless it is within the first 14 days of opening. If the interest you’ve earned doesn’t cover this, you may get back less than you put in

2 Year Fixed Rate Cash ISAs – Ordered by rate (AER)

  1. 2016 SUPERS

    Winner of the Best 'Cash ISA' Savings Provider

    Great for
    Fixed term ISA savers
    Transferring existing ISA balances
    But be aware that
    Withdrawals are not permitted within the fixed term
  2. Great for
    Transferring existing ISA balances
    A choice between monthly or annual interest
    FSCS protection up to £85,000 per depositor
    But be aware that
    Withdrawals prior to your fixed term ending are subject to 180 days' loss of interest
  3. Great for
    Transferring existing ISA balances
    Online application
    But be aware that
    Withdrawals/transfers of your capital investment prior to maturity are permitted, but they will be subject to 150 days' loss of interest
    Post and branch access only

3 Year Fixed Rate Cash ISAs – Ordered by rate (AER)

  1. 2016 SUPERS

    Winner of the Best 'Cash ISA' Savings Provider

    Great for
    Fixed term ISA savers
    But be aware that
    Withdrawals are not permitted within the fixed term
  2. Great for
    Transferring existing ISA balances
    Online application
    But be aware that
    Withdrawals/transfers of your capital investment prior to maturity are permitted, but they will be subject to 240 days' loss of interest
    Post and branch access only

5 Year Fixed Rate Cash ISAs – Ordered by rate (AER)

  1. Great for
    Transferring existing ISA balances
    A choice between monthly or annual interest
    FSCS protection up to £85,000 per depositor
    But be aware that
    Withdrawals prior to your fixed term ending are subject to 365 days' loss of interest
  2. Great for
    Transferring existing ISA balances
    Online application
    But be aware that
    Withdrawals/transfers of your capital investment prior to maturity are permitted, but they will be subject to 365 days' loss of interest
    Post and branch access only

Not sure what account is right for you? Tell us a few details and we can help you decide

 

Easy Access Cash ISAs – Ordered by rate (AER)

Easy access cash ISAs let you take advantage of your annual tax-free ISA allowance, and you can still have instant access to your cash.

  1. Great for
    Simple online application
    Opening and viewing your account online
    But be aware that
    After 12 months the rate will revert to the underlying rate, currently 0.65% gross/AER
  2. Great for
    Full online application and access
    The ability to split your cash ISA savings across variable and fixed rate products in one place
    But be aware that
    After 12 months the rate will revert to the underlying rate, currently 0.25% tax free/AER variable
    Interest is calculated daily and paid annually in March
    If you opt to fix your savings withdrawal restrictions will apply
    • Provider/Product name AA ISA - Easy Access Issue 9

      AA

      AA ISA - Easy Access Issue 9

    • Interest rate (AER) 0.86% Variable Includes Fixed bonus of 0.66% for 12 months
    • Min/Max opening amount £100 to £ no limit
    • Notice / Term Notice Period: none
    • Account type Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Go to site

      More details

    Great for
    Includes 12 month bonus
    Apply and manage your account online 24/7
    Transfer-in an ISA you hold elsewhere
    But be aware that
    The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK
    No additional deposits or withdrawals during the fixed term. Partial ISA transfers out aren't available, transfers out in full only
  3. Great for
    Transferring existing ISA balances
    But be aware that
    Online access only
  4. 2016 SUPERS

    Winner of the Best 'Cash ISA' Savings Provider

    Great for
    Transferring existing ISA balances
    Ability to add or withdraw funds if you wish, although you must not exceed the tax year allowance of £15,240.
    But be aware that
    Online access only
  5. Great for
    Opening an account with just £1
    Unlimited withdrawals without penalty
    Transferring existing ISA balances
    But be aware that
    Interest is paid annually
  6. Great for
    Transferring existing ISA balances
    Unlimited withdrawals can be made without notice or loss of interest, subject to the minimum operating balance of £1 being maintained
    But be aware that
    Interest is paid annually
  7. Great for
    No penalties for withdrawals
    Transferring existing ISA balances
    But be aware that
    For balances below £50,000, lower rate of 0.05% will apply
    • Provider/Product name Cash ISA

      NatWest

      Cash ISA

    • Interest rate (AER) 0.50% Variable
    • Min/Max opening amount £100,000 to £ no limit
    • Notice / Term Notice Period: instant
    • Account type Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Go to site

      More details

    Great for
    Unlimited penalty-free withdrawals
    Transferring existing ISA balances
    But be aware that
    For balances below £100,000, lower tiered rates will apply

Not sure what account is right for you? Tell us a few details and we can help you decide

 


 

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