Best fixed rate ISAs (December 2025)

Locking your money away could get you a higher rate – here are the best fixed rate Cash ISAs

Fixed-rate Cash ISAs are a type of ISA that lets you lock in your money for a period in exchange for a slightly higher rate than you’d get with easy access accounts. If you’d prefer the flexibility of an easy access ISA, we have a table of the best easy access cash ISAs available, too. 

If you’d prefer an easy access cash ISA, we also have a page of the best easy-access Cash ISAs.

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Best one year fixed Cash ISAs

12 month fixed ISAs

Tembo Money 12 month fixed ISA

Customer rating 5/5

• AER (fixed)

  4.3%
• Minimum

  £500

• FSCS Protected? Yes
• Allows transfers in? No

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Investec 12 month fixed ISA

Customer rating 4.2/5

• AER (fixed)

  4.3%
• Minimum

  £1,000

• FSCS Protected? Yes
• Transfer in existing ISA? No

Charter Savings Bank 12 month fixed ISA

Customer rating 2.7/5

• AER (fixed)

  4.3%
• Minimum

  £5,000

• FSCS Protected? Yes

UBL 12 month fixed ISA

• AER (fixed)

  4.28%
• Minimum

  £2,000

• FSCS Protected? Yes
• Transfer in existing ISA? Yes

Vanquis 12 month fixed ISA

Customer rating 4.8/5

• AER (fixed)

  4.25%
• Minimum

  £1,000

• FSCS Protected? Yes
• Allows transfers in? Yes

Best 18 month fixed Cash ISAs

18 month fixed ISAs

UBL 18 month fixed ISA

• AER (fixed)

  3.95%
• Minimum

  £2,000

• FSCS Protected? Yes
• Transfer in existing ISA? Yes

Secure Trust Bank 18 month fixed ISA

Customer rating 3.7/5

• AER (fixed)

  3.9%
• Minimum

  £1,000

• FSCS Protected? Yes
• Transfer in existing ISA? Yes

The Cambridge Building Society 18 month fixed ISA

Customer rating 5/5

• AER (fixed)

  3.8%
• Minimum

  £500

• FSCS Protected? Yes
• Transfer in existing ISA? Yes
• Important details Account can be opened at a branch, by post or over the phone only

Best two year fixed Cash ISAs

2 year fixed ISAs

Charter Savings Bank 2 year fixed ISA

Customer rating 2.7/5

• AER (fixed)

  4.2%
• Minimum

  £5,000

• FSCS Protected? Yes
• Transfer in existing ISA? Yes

UBL 2 year fixed ISA

• AER (fixed)

  4.16%
• Minimum

  £2000

• FSCS Protected? Yes
• Allows transfers in? Yes

Vanquis 2 year fixed ISA

Customer rating 4.8/5

• AER (fixed)

  4.15%
• Minimum

  £1000

• FSCS Protected? Yes
• Allows transfers in? Yes

Cynergy Bank 2 year fixed ISA

Customer rating 3.8/5

• AER (fixed)

  4.1%
• Minimum

  £500

• FSCS Protected? Yes
• Transfer in existing ISA? Yes

Best three year fixed Cash ISAs

3 year fixed ISAs

Castle Trust Bank 3 year fixed ISA

Customer rating 4.6/5

• AER (fixed)

  4.16%
• Minimum

  £20,000

• FSCS Protected? Yes
• Transfer in existing ISA? Yes

Cynergy Bank 3 year fixed ISA

Customer rating 3.8/5

• AER (fixed)

  4.15%
• Minimum

  £500

• FSCS Protected? Yes
• Transfer in existing ISA? Yes

Charter Savings Bank 3 year fixed ISA

Customer rating 2.7/5

• AER (fixed)

  4.14%
• Minimum

  £5,000

Aldermore 3 year fixed ISA

Customer rating 3.9/5

• AER (fixed)

  4.13%
• Minimum

  £1,000

• FSCS Protected? Yes
• Transfer in existing ISA? Yes

UBL 3 year fixed ISA

• AER (fixed)

  4.12%
• Minimum

  £2000

• FSCS Protected? Yes
• Allows transfers in? Yes

Best four year fixed Cash ISAs

4 year fixed ISAs

UBL 4 year fixed ISA

• AER (fixed)

  4%
• Minimum

  £2,000

• FSCS Protected? Yes
• Allows transfers in? Yes

United Trust Bank 4 year fixed ISA

Customer rating 4.9/5

• AER (fixed)

  3.9%
• Minimum

  £5,000

• FSCS Protected? Yes
• Allows transfers in? Yes

Zopa 4 year fixed ISA

Customer rating 4.9/5

• AER (fixed)

  3.8%
• Minimum

  £1

• FSCS Protected? Yes
• Allows transfers in? Yes

Best five year fixed Cash ISAs

5 year fixed ISAs

Hampshire Trust Bank 5 year fixed ISA

Customer rating 4.4/5

• AER (fixed)

  4.14%
• Minimum

  £1

• FSCS Protected? Yes
• Allows transfers in? Yes

Castle Trust Bank 5 year fixed ISA

Customer rating 4.6/5

• AER (fixed)

  4.13%
• Minimum

  £1,000

• FSCS Protected? Yes
• Allows transfers in? Yes

UBL 5 year fixed ISA

• AER (fixed)

  4.13%
• Minimum

  £2,000

• FSCS Protected? Yes
• Allows transfers in? Yes

Chetwood Bank 5 year fixed ISA

Customer rating 4.6/5

• AER (fixed)

  4.1%
• Minimum

  £1,000

• FSCS Protected? Yes
• Allows transfers in? Yes

Best seven year fixed Cash ISAs

7 year fixed ISAs

United Trust Bank 7 year fixed ISA

Customer rating 4.9/5

• AER (fixed)

  3.5%
• Minimum

  £5,000

• FSCS Protected? Yes
• Allows transfers in? Yes

What are Cash ISAs?

Individual Savings Accounts, or ISAs, are tax-free savings products. They’re not the only way to earn interest without paying tax, but they can still be worth looking at to get the best rates on your cash.

You can add up to £20,000 of new money each financial year across all ISAs you hold, though Lifetime ISAs are limited to £4,000 within that. This limit is known as your ISA allowance, and there are some rules to using one. 

If you’re moving money from an existing ISA, it’s vital you transfer the money to the new ISA rather than withdraw it and then deposit it. Not all accounts allow transfers in, but we’ve included the information in our tables when they do.

How long can you fix your savings for?

You can fix your savings for anything from six months to five years. However, you need to be sure you won’t need access to that cash over that time, as you’ll pay a penalty to do so. For a one year fix it’s normally 90 days interest.

The longer you fix, the greater the risk you’ll lose out if rates were to rise. But at the same time, they’re protected if rates were to fall.

It’s worth knowing when longer fixes will pay you the interest. With most it’s at the end of the fix, meaning all that interest will count towards your personal savings allowance for the year you receive it.

What other types of ISA are there?

Fixed rate cash ISAs aren’t the only ones you can get — there are also easy access Cash ISAs, and you can get limited access ones, too.There are also other types of ISA, including Stocks & Shares ISAs, Junior ISAs and Lifetime ISAs.