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Best 4 year fixed rate cash ISAs

Setting up an ISA is a great way of earning tax free interest on your savings, and if you don’t require access to your funds in the next 4 years, a 4 year fixed rate ISA could be a good option for you. At Moneyfactscompare.co.uk we list all the available fixed rate ISA products in the UK to help you choose the best provider for you.

Using the chart below, view today's best 4 year fixed rate ISA rates.

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Browse Fixed Rate ISA Terms

Best ISA Rates - 4 Year Fixed

Best ISA Rates - 4 Year Fixed

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We found 6 products in total, of which 1 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 4 Year Bond
    AER
    4.10%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Anniversary
    Go To Provider's Site
  • UBL UK 4 Year Fixed Rate Cash ISA
    AER
    4.05%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    On Maturity
    Further Options ˅
    AER
    4.05%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Anniversary
    AER
    4.05%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Quarterly
    AER
    4.05%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Monthly
  • Zopa Smart ISA - 4 Year Fixed Term ISA pot
    AER
    4.01%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Monthly
  • Gatehouse Bank 4 Year Fixed Term Woodland Cash ISA
    AER
    3.90%
    Expected Rate
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    AER
    3.90%
    Expected Rate
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Monthly
  • Punjab National Bank (International) Limited Fixed Rate Cash ISA
    AER
    3.75%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    On Maturity (Compounded Annually)
    Further Options ˅
    AER
    3.75%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Anniversary
  • Sainsbury's Bank Fixed Rate Cash ISA
    AER
    2.50%
    Account Type
    Cash ISA
    Term
    4 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 4 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 four year fixed rate ISA will give you a fixed rate of interest across four 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. There are many alternatives to 4 year fixed rate ISAs available, that you may want to reference before going ahead: 

1 year fixed rate cash ISAs

2 year fixed rate cash ISAs

3 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 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 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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