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Best 2 year fixed rate cash ISAs

If you don’t want to commit your money into a long-term fixed rate ISA, but are interested in options longer than a 1 year or easy access ISA, then a 2 year fixed rate ISA could be your best option.

Using the chart below, view today's best ISA rates and begin your comparison.  

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Browse Fixed Rate ISA Terms

Best ISA rates - 2 year fixed

Best ISA rates - 2 year fixed

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We found 70 products in total, of which 7 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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  • United Trust Bank Cash ISA 2 Year Bond
    AER
    4.67%
    Account Type
    Cash ISA
    Term
    2 Year Bond
    Interest Paid
    Anniversary
    Go To Provider's Site
  • Shawbrook Bank 2 Year Fixed Rate Cash ISA Bond Issue 86
    AER
    4.64%
    Account Type
    Cash ISA
    Term
    2 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    Go To Provider's Site
    AER
    4.64%
    Account Type
    Cash ISA
    Term
    2 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Paragon Bank 2 Year Fixed Rate Cash ISA
    AER
    4.59%
    Account Type
    Cash ISA
    Term
    2 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    Go To Provider's Site
    AER
    4.59%
    Account Type
    Cash ISA
    Term
    2 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Skipton BS 30 Month Fixed Rate Cash ISA Issue 254
    AER
    4.40%
    Account Type
    Cash ISA
    Term
    30 Month Bond
    Interest Paid
    Anniversary
    Further Options ˅
    Go To Provider's Site
    AER
    4.40%
    Account Type
    Cash ISA
    Term
    30 Month Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Leeds BS 2 Year Fixed Rate Cash ISA (Issue 198)
    AER
    4.35%
    Account Type
    Cash ISA
    Term
    02.09.26
    Interest Paid
    Yearly
    Go To Provider's Site
  • Dudley BS Two Year Fixed Rate ISA Online Issue 21
    AER
    4.10%
    Account Type
    Cash ISA
    Term
    2 Year Bond
    Interest Paid
    Anniversary
    Go To Provider's Site
  • Royal Bank of Scotland 2 Year Fixed Rate ISA Issue 351
    AER
    4.10%
    Account Type
    Cash ISA
    Term
    13.08.26
    Interest Paid
    Yearly
    Go To Provider's Site
  • Beehive Money Two Year Fixed ISA Issue 3
    AER
    4.70%
    Account Type
    Cash ISA
    Term
    31.07.26
    Interest Paid
    Yearly
  • Nottingham BS Fixed Rate ISA Issue 190
    AER
    4.70%
    Account Type
    Cash ISA
    Term
    31.07.26
    Interest Paid
    Yearly
  • Cynergy Bank Fixed Rate Cash ISA
    AER
    4.67%
    Account Type
    Cash ISA
    Term
    2 Year Bond
    Interest Paid
    Anniversary
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 2 year fixed rate 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 two year fixed rate ISA will give you a fixed rate of interest across two years. 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. You may also be interested in: 

 

1 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

  • 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. 
  • You may only be able to make a single deposit and/or transfer in to your two year ISA when you open the account. Some providers may allow you to add to the account after opening, but some will not.
  • If the provider allows you to withdraw money from your ISA before the end of the term, there will usually be a hefty interest penalty to pay. If you think you’ll need access to your money within the two-year term, look instead at an ISA that will allow easy access, or penalty-free access after a notice period has been served.

 

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Ashley Seager

Digital Marketing Manager

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