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 Do you know how safe your savings are? Should you choose a fixed rate or a bonus rate? Our useful savings guides could help you to make the most of your money.
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Latest Savings Commentary

Income is king

Oliver Roylance-Smith / 15 May 2012

Investing for income is always a popular investment theme, never more so than in recent months with income solutions ruling the roost over the ISA season for both the cash ISAs and investment ISAs. ... Read more

7% potential annual income, capital protected

Oliver Roylance-Smith / 10 May 2012

"The latest Fair Investment Income Deposit Plan offers capital protection plus the potential to earn 7% for each year the FTSE 100 remains between 4,500 and 7,000 points (yesterday’s clos... Read more

The savings dilemma and the rise of alternatives

Oliver Roylance-Smith / 01 May 2012

The economic landscape continues to create a real dilemma for savings and put a spotlight on the fixed rate bond. With yields on these lowering amid continued pressures on getting the most out of yo... Read more

Fixed Rate Cash ISAs

Compare Cash ISA Rates Oliver Roylance-Smith
Fixed rate cash ISAs offer a fixed rate of interest on your tax-efficient savings, usually for periods of 1-5 years. Usually, longer fixed terms mean higher interest rates, so fixed rate cash ISAs can really help you to make the most of your ISA allowance. Use the comparison tables below to compare our wide range fixed rate cash ISAs from leading providers. Or for potentially higher returns, you could consider our selection of cash ISA alternatives.
Oliver Roylance-Smith, head of Savings & Investments
Fixed Rate Cash ISA Selection
ProviderAccountInterest Rate (AER)TermApply
3.70%2 YearsApply Now >
  • 3.70% tax free/AER fixed on balances of £10,000 or more
  • 3.40% tax free/AER fixed on balances of less than £10,000
  • Minimum opening balance of £3,000
  • Additional deposits allowed
3.30%1 YearApply Now >
  • Minimum opening balance of £1,000
  • Manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
Fixed Rate Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
3.70%2 YearsApply Now >
  • 3.70% tax free/AER fixed on balances of £10,000 or more
  • 3.40% tax free/AER fixed on balances of less than £10,000
  • Minimum opening balance of £3,000
  • Additional deposits allowed
3.30%1 YearApply Now >
  • Minimum opening balance of £1,000
  • Manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
Alternatives to Fixed Rate Cash ISAs
ProviderPlanDeposit TakerPotential ReturnTermMore Info
FTSE 100 3 Year Deposit Plan Investec Bank plc17.25%3 yearsMore Info >
  • 3 year structured deposit plan
  • Capital protected
  • Target return of 17.25%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Deposit Kick OutRoyal Bank of Scotland plc9.50%
per annum		Up to 6 yearsMore Info >
  • Structured deposit plan with a term of up to 6 years
  • Capital protected
  • Available as a Cash ISA & for Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Returns linked to the performance of 5 FTSE 100 Companies
  • Plan designed to be held for full term
  • May close early if oversubscribed
Income Deposit PlanRoyal Bank of Scotland plc7.00%
per annum		6 YearsMore Info >
  • 6 year structured deposit plan
  • Capital protected
  • Available for Cash ISA & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Income is not guaranteed
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Kick Out Deposit Plan - Option 2Investec Bank plc6.00%
per annum		Up to
5 years		More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed

These are structured deposit plans and are capital protected. There is a risk that the company backing the plans or any company associated with the plans may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) , depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plans are not held for the full term.

If you are at all unsure of the suitability of these types of investments, both in respect of their objectives and risk profiles, you should seek independent financial advice.

Fixed Rate Cash ISA Reviews

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