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An 18-month fixed rate ISA asks you to lock away a lump sum of money for 18 months, with the promise of a guaranteed return at the end of it. Rates will normally be higher than for one-year and variable rate ISAs and any interest will be tax-free, though you’ll have limited flexibility and won’t be able to access your funds without paying a penalty.
An 18-month ISA will be ideal for those who have a specific short-term savings goal, or who want to receive a decent rate of interest without losing access for years on end. They can be just as suitable for savers who want to avoid the possibility of rates falling in the near-future, while still enjoying all the benefits of an ISA.
The rate will be the most important aspect to consider in an 18-month ISA, but it certainly isn’t the only thing to think about. Other factors to bear in mind include:
Use our comparison chart to find the deal that’s right for you.
There are four main types of ISA available in the UK, Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs (IFISA) and Lifetime ISAS (LISA). This guide explains the differences between them and how each type of ISA works.
There are four main types of ISA available in the UK, Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs (IFISA) and Lifetime ISAS (LISA).
Using an ISA transfer is important as its the only way to retain the tax-free status of your funds. Our helpful guide explains what you should know before you transfer.
Using an ISA transfer is the only way to retain the tax-free status of your funds. Our helpful guide explains what you should know before you transfer.
Did you know that you can inherit your spouse's/civil partner's ISA savings? This guide explains the rules on inheriting ISAs and the important things you need to know.
What you need to know about claiming and investing an inherited ISA, and retaining its tax-free status.
ISAs have restrictions on how much you can put in each tax year and when you’re allowed to open a new account versus move your funds. To help, we’ve gathered together information on the 2023/24 tax year’s ISA allowance, as well as many other important taxation considerations.
Download our complete guide to the ISA allowance for 2023/24. Restrictions, how to move accounts and taxation considerations.