Fixed Rate Cash ISA
- Put away a lump sum for either 1 year or 2 years.
- Get a tax-free, fixed interest rate.
Why choose a Fixed Rate Cash ISA?
Interest rate
The interest rate depends on the term of your ISA.
4.25% AER/tax-free (fixed) for the 1 year account term or 4.10% AER/tax-free (fixed) for the 2 year account term.
Manage your money
In branch or online either using our banking app or internet bank.
Access to your money
Only when your term ends otherwise a charge will apply.
Note:
Differences between Fixed Rate Cash ISAs and Fixed Rate ISAs
Our Fixed Rate ISAs are no longer available for new account openings. We now offer Fixed Rate Cash ISAs. If you've held a Fixed Rate ISA before, there are several differences between these two types of ISAs to be aware of.
Is a Fixed Rate Cash ISA right for you?
Certain savings accounts suit certain types of savers. Find out more about who we designed this account for.
Designed for
Savers willing to lock away their money for a fixed term
Savers with a lump sum to deposit
Savers looking for an interest rate that won't change
Not designed for
Savers who want instant access to their money
Savers who want to put away money on a regular basis
Information:
What is a cash ISA?
A cash ISA generally allows UK residents aged 18 or over to save up to their annual ISA allowance tax-free each tax year. The allowance is £20,000 for 2025/26. With other savings accounts, you may have to pay tax on the interest you earn, depending on your Personal Savings Allowance. The interest on a cash ISA is tax-free, so all the interest you earn, you keep.
Is your ISA about to mature?
Find out what your maturity options are, and let us know what you've decided.
Not the right account for you?
Answer a few simple questions and we'll show you what's available.
Apply for a Fixed Rate Cash ISA
Download or print the account documents
Savings and ISA help
Useful guides to help you manage your account and understand the different ways to save.
Protecting your money
The Financial Services Compensation Scheme (opens in a new window) (FSCS) is a free, independent service that protects up to £85,000 of your eligible money at Nationwide.