1 Year Fixed Rate Cash ISA

Compare 2023 1 Year Fixed Term Cash ISAs

Account
Hampshire Trust Bank 1 Year Cash ISA
Interest Rate
4.50%
Gross/AER
Term
1 Year
Minimum Deposit
£1
Account
Aldermore Bank 1 Year Cash ISA
Interest Rate
4.30%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Aldermore Bank 2 Year Cash ISA
Interest Rate
4.30%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 2 Year Cash ISA
Interest Rate
4.25%
Gross/AER
Term
2 Years
Minimum Deposit
£1
Account
Nationwide 1 Year Triple Access Cash ISA
Interest Rate
Up to 4.10%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1
Account
Aldermore Bank 3 Year Cash ISA
Interest Rate
4.05%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Post Office Online 1 Year Fixed Rate Cash ISA
Interest Rate
4.00%
Gross/AER
Term
1 Year
Minimum Deposit
£500
Account
NatWest 1 Year Cash ISA
Interest Rate
4.00%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with NatWest Bank per tax year. You must hold the account solely in your name. NatWest’s FRISA rates are 4.00% AER/Tax-free p.a. (fixed) for 1 year and 4.00% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 11th December 2024 for new customers and 16th December 2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 3rd January 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
NatWest 2 Year Cash ISA
Interest Rate
4.00%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with NatWest Bank per tax year. You must hold the account solely in your name. NatWest’s FRISA rates are 4.00% AER/Tax-free p.a. (fixed) for 1 year and 4.00% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 11th December 2024 for new customers and 16th December 2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 3rd January 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Royal Bank of Scotland 1 Year Cash ISA
Interest Rate
3.80%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with Royal Bank of Scotland per tax year. You must hold the account solely in your name. Royal Bank of Scotland’s  FRISA rates are 3.80% AER/Tax-free p.a. (fixed) for 1 year and 3.40% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 11th December 2024 for new customers and 16th December 2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 3rd January 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA, you will not be able to make any further payments for that tax year into any other cash ISA with Royal Bank of Scotland or NatWest. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Hampshire Trust Bank 5 Year Cash ISA
Interest Rate
3.75%
Gross/AER
Term
5 Years
Minimum Deposit
£1
Account
Post Office Online 2 Year Fixed Rate Cash ISA
Interest Rate
3.65%
Gross/AER
Term
2 Years
Minimum Deposit
£500
Account
Royal Bank of Scotland 2 Year Cash ISA
Interest Rate
3.40%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with Royal Bank of Scotland per tax year. You must hold the account solely in your name. Royal Bank of Scotland’s FRISA rates are 3.80% AER/Tax-free p.a. (fixed) for 1 year and 3.40% AER/Tax-free p.a. (fixed). Rate available until 5pm on 11th December 2024 for new customers and 16th December 2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 3rd January 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA, you will not be able to make any further payments for that tax year into any other cash ISA with Royal Bank of Scotland or NatWest. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.

Compare our Best 1 Year Fixed Rate Cash ISAs

Find the best 1 year fixed rate cash ISAs for you with our simple comparison tables – they offer a range of choice from leading providers, where you can compare rates and other features.

Features of fixed cash ISAs can include:

  • Fixed rate return on your savings
  • No tax to pay on the interest
  • Choice of fixed terms from 1-5 years
  • Usually no withdrawals allowed during the term

Compare fixed cash ISAs to get the best rates for the account that best suits your needs.

Deposit Plan Offer

Looking for a Capital Protected alternative to Cash?

Potential 15.5% after 3 years 

  • Potential 15.5% if the FTSE 100 rises by any amount after 3 years
  • Equivalent to 5.17% per year
  • 3 year term
  • Available as cash ISA, non ISA or ISA transfer
  • Capital Protected – receive your initial capital back at the end of the term no matter how the FTSE 100 performs
Our view: The 15.5% potential return is equivalent to 5.17% growth each year which is significantly more than the current leading longer term savings rates More Plan Details »