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Best 1 year fixed rate cash ISAs

If you normally deposit your whole cash ISA allowance in one go, and don’t make any withdrawals during the tax year, a 1-year fixed rate ISA could be the best route for you.

Paying a guaranteed rate of interest, a fixed ISA can help you maximise your returns in comparison to an Easy Access ISA. View today’s best rates in our comparison chart below.

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Browse Fixed Rate ISA Terms

Best ISA rates - 1 year fixed

Best ISA rates - 1 year fixed

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We found 58 products in total, of which 11 have links to providers.

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Selecting ‘Provider Links First’ brings all products that you can apply for directly via Moneyfacts to the top of the chart in rate order. Products that do not have an ‘Go To Provider's Site’ button will appear below, again in rate order. Selecting ‘Rate’ will change the chart to list all products in rate order. Products that have ‘Go To Provider's Site’ links will still be in the list but in rate position.

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  • Shawbrook Bank 1 Year Fixed Rate Cash ISA Bond Issue 96
    AER
    4.77%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    On Maturity
    Further Options ˅
    Go To Provider's Site
    AER
    4.77%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • UBL UK 1 Year Fixed Rate Cash ISA
    AER
    4.77%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    On Maturity
    Go To Provider's Site
  • Paragon Bank 1 Year Fixed Rate Cash ISA
    AER
    4.76%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    Go To Provider's Site
    AER
    4.76%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • United Trust Bank Cash ISA 1 Year Bond
    AER
    4.75%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    On Maturity
    Go To Provider's Site
  • Charter Savings Bank 1 Year Fixed Rate Cash ISA
    AER
    4.73%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    Go To Provider's Site
    AER
    4.73%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Aldermore 1 Year Fixed Rate Cash ISA
    AER
    4.72%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    On Maturity
    Further Options ˅
    Go To Provider's Site
    AER
    4.72%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Kent Reliance Cash ISA 1 Year Fixed Rate - Issue 97
    AER
    4.70%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    On Maturity
    Further Options ˅
    Go To Provider's Site
    AER
    4.70%
    Account Type
    Cash ISA
    Term
    1 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Leeds BS 1 Year Fixed Rate Cash ISA (Issue 204)
    AER
    4.60%
    Account Type
    Cash ISA
    Term
    30.06.25
    Interest Paid
    On Maturity
    Go To Provider's Site
  • NatWest 1 Year Fixed Rate ISA Issue 346
    AER
    4.60%
    Account Type
    Cash ISA
    Term
    02.07.25
    Interest Paid
    Yearly
    Go To Provider's Site
  • Yorkshire Building Society Fixed Rate Cash e-ISA until 30 June 2025
    AER
    4.45%
    Account Type
    Cash ISA
    Term
    30.06.25
    Interest Paid
    On Maturity
    Go To Provider's Site
Depositor Protection

Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme (FSCS) up to a maximum level of protection of £85,000 per person per institution. All new savings or bank accounts provided to UK customers are now covered by the FSCS.

Disclaimer

All rates subject to change without notice. Please check all rates and terms before investing or borrowing.

Provider Links

‘Go To Provider's Site’ links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use ‘Speak to A Broker’ links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go To Provider's Site' or 'Speak To A Broker' button, when you call an advertised number or when you complete an application following a link from our website.

A guide to 1 year fixed rate cash ISAs

In the current tax year (a tax year runs from 6 April to the following 5 April), you can deposit up to £20,000 into a cash ISA. Learn more about the yearly ISA allowance and how it works

Cash ISAs are available in fixed rate, notice or easy access formats. Unlike variable rate easy access accounts, fixed rate cash ISAs guarantee you a certain rate across a certain amount of time. For example, a one year fixed rate ISA will give you a fixed rate of interest across one year. This can be useful when it comes to reaching your savings goals, in the context of being able to plan ahead.  

Different yearly terms are available and with different rates on offer its a good idea to compare ISA rates before opening an account. There are many alternatives to 1 year fixed rate ISAs available, that you may want to reference before going ahead: 

2 year fixed rate cash ISAs

3 year fixed rate cash ISAs

4 year fixed rate cash ISAs

5 year fixed rate cash ISAs

Stocks and shares ISAs

 

Important information

  • You may only be able to make a single deposit and/or transfer in to your one year fixed rate ISA when you open the account.
  • You might be permitted to make further deposits into the ISA, but only while the product remains on general sale or for a certain number of days after opening. 
  • Although you will be able to transfer money out of your ISA, there will usually be a hefty interest penalty to pay.
  • If you think you’ll need access to your money within the one-year term, look instead at an ISA that will allow easy access, or penalty-free access after a notice period has been served. Learn more about easy access cash ISAs and notice cash ISAs

 

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Ashley Seager

Digital Marketing Manager

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