Best fixed-rate cash ISA rates

A fixed-rate cash ISA locks the rate for a set term, and the interest is tax-free. You can put up to £20,000 a year into adult ISAs. Taking money out before the end can mean a penalty, and a withdrawal is not the same as a transfer.

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21 accounts

Sorted by highest rate · Checked 17 Oct 2026, 12:18

We may earn a fee if you open an account through a paid link. The top 5 results are never ads. Fees never change the order.

  1. 5 Year Fixed Rate Cash ISA

    Shawbrook Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 5 years · Checked 3 hours ago · verified at source · Report a wrong rate

    5.25%AER fixedMax balance £250,000 (including transfers in)Minimum deposit £1,000

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Shawbrook Bank Ltd

    Monthly: 5.13% gross / 5.25% AER · Annual: 5.25% gross / 5.25% AER

    View details: 5 Year Fixed Rate Cash ISA
  2. App-onlyFlexible

    Fixed Rate Cash ISA 3 Year

    Tandem Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 3 years · Checked 5 hours ago · verified at source · Report a wrong rate

    5.13%AER fixedMax balance £250,000 (including transfers in), across all Tandem ISAsMinimum deposit £0

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Tandem Bank Ltd

    Interest paid: not yet checked

    View details: Fixed Rate Cash ISA 3 Year
  3. App-onlyFlexible

    Fixed Rate Cash ISA 5 Year

    Tandem Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 5 years · Checked 5 hours ago · verified at source · Report a wrong rate

    5.13%AER fixedMax balance £250,000 (including transfers in), across all Tandem ISAsMinimum deposit £0

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Tandem Bank Ltd

    Interest paid: not yet checked

    View details: Fixed Rate Cash ISA 5 Year
  5. App-onlyFlexible

    Fixed Rate Cash ISA 2 Year

    Tandem Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 2 years · Checked 5 hours ago · verified at source · Report a wrong rate

    5.08%AER fixedMax balance £250,000 (including transfers in), across all Tandem ISAsMinimum deposit £0

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Tandem Bank Ltd

    Interest paid: not yet checked

    View details: Fixed Rate Cash ISA 2 Year

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  6. 2 Year Fixed Rate Plus Cash ISA

    Shawbrook Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 2 years · Checked 3 hours ago · verified at source · Report a wrong rate

    5.06%AER fixedMax balance £250,000 (including transfers in)Minimum deposit £10,000

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Shawbrook Bank Ltd

    Monthly: 4.95% gross / 5.06% AER · Annual: 5.06% gross / 5.06% AER

    View details: 2 Year Fixed Rate Plus Cash ISA

  8. 1 Year Fixed Rate Plus Cash ISA

    Shawbrook Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 1 year · Checked 3 hours ago · verified at source · Report a wrong rate

    4.97%AER fixedMax balance £250,000 (including transfers in)Minimum deposit £10,000

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Shawbrook Bank Ltd

    Monthly: 4.86% gross / 4.97% AER · At the end of the term: 4.97% gross / 4.97% AER

    View details: 1 Year Fixed Rate Plus Cash ISA

  9. Three year fixed rate cash ISA - issue 5

    Kent Reliance

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 3 years · Checked 3 hours ago · verified at source · Report a wrong rate

    4.97%AER fixedMinimum deposit £1,000

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with OneSavings Bank plc (OSB Group)

    Monthly: 4.86% gross / 4.97% AER · Annual: 4.97% gross / 4.97% AER

    View details: Three year fixed rate cash ISA - issue 5

  10. Two year fixed rate cash ISA - Issue 5

    Kent Reliance

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 2 years · Checked 3 hours ago · verified at source · Report a wrong rate

    4.92%AER fixedMinimum deposit £1,000

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with OneSavings Bank plc (OSB Group)

    Monthly: 4.81% gross / 4.92% AER · Annual: 4.92% gross / 4.92% AER

    View details: Two year fixed rate cash ISA - Issue 5

  11. 1 Year Fixed Rate Cash ISA

    Hodge Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 1 year · Checked 5 hours ago · verified at source · Report a wrong rate

    4.92%AER fixedMinimum deposit £1,000

    Transfers in: no

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Julian Hodge Bank Ltd

    Monthly: 4.81% gross / 4.92% AER · At the end of the term: Not stated by provider / 4.92% AER

    View details: 1 Year Fixed Rate Cash ISA

  14. 2 Year Fixed Rate Cash ISA

    Shawbrook Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 2 years · Checked 3 hours ago · verified at source · Report a wrong rate

    4.85%AER fixedMax balance £250,000 (including transfers in)Minimum deposit £1,000

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Shawbrook Bank Ltd

    Monthly: 4.75% gross / 4.85% AER · Annual: 4.85% gross / 4.85% AER

    View details: 2 Year Fixed Rate Cash ISA
  15. App-onlyFlexible

    Fixed Rate Cash ISA 1 Year

    Tandem Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 1 year · Checked 5 hours ago · verified at source · Report a wrong rate

    4.85%AER fixedMax balance £250,000 (including transfers in), across all Tandem ISAsMinimum deposit £0

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Tandem Bank Ltd

    Interest paid: not yet checked

    View details: Fixed Rate Cash ISA 1 Year

  17. One year fixed rate cash ISA - Issue 6

    Kent Reliance

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 1 year · Checked 3 hours ago · verified at source · Report a wrong rate

    4.78%AER fixedMinimum deposit £1,000

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with OneSavings Bank plc (OSB Group)

    Monthly: 4.68% gross / 4.78% AER · At the end of the term: 4.78% gross / 4.78% AER

    View details: One year fixed rate cash ISA - Issue 6
  18. Flexible

    15 Month Fixed Rate Cash ISA

    Paragon Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 15 months · Checked 5 hours ago · verified at source · Report a wrong rate

    4.75%AER fixedMax balance £500,000 (including transfers in)Minimum deposit £500

    Transfers in: yes. Existing ISA transfers count towards this balance, not the yearly allowance.

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Paragon Bank plc

    Interest: Monthly or annual

    View details: 15 Month Fixed Rate Cash ISA
  21. Flexible

    Two Access Cash ISA Saver

    Skipton Building Society

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Cash ISA · 1 year · Checked 5 hours ago · verified at source · Report a wrong rate

    3.90%AER variableMax balance £1,000,000 (including transfers in)Minimum deposit £1

    Transfers in: yes

    New money limited to your £20,000 yearly ISA allowance.

    FSCS protected · limit shared with Skipton Building Society

    Monthly: 3.83% gross / 3.90% AER · At the end of the term: 3.90% gross / 3.90% AER

    View details: Two Access Cash ISA Saver
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Questions

Is a fixed cash ISA the same as a stocks and shares ISA?

No. This page lists cash ISAs only. ClearRates does not link to investment accounts.

Does the personal savings allowance apply inside an ISA?

ISA interest is not taxed, so the personal savings allowance is not used up by that interest. The allowance still matters for savings held outside an ISA.

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