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Best 4 Year Fixed Rate ISAs

While simply having money in a cash ISA means that you can earn tax-free interest, having your money in a 3, 4 or even 5-year fixed rate ISA means that you can benefit from some of the highest savings rates available. View today's best rates below. 

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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 0 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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  • Gatehouse Bank 4 Year Fixed Term Woodland Cash ISA
    AER
    4.70%
    Expected Rate
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    AER
    4.70%
    Expected Rate
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Monthly
  • UBL UK 4 Year Fixed Rate Cash ISA
    AER
    4.60%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    On Maturity
    Further Options ˅
    AER
    4.60%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Anniversary
    AER
    4.60%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Quarterly
    AER
    4.60%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Monthly
  • Zopa Smart ISA - 4 Year Fixed Term ISA pot
    AER
    4.41%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Monthly
  • Sainsbury's Bank Fixed Rate Cash ISA
    AER
    4.40%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Anniversary
  • United Trust Bank Cash ISA 4 Year Bond
    AER
    4.35%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Anniversary
  • 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
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

At a glance

  • Long-term fixed rate ISAs offer the very best rates
  • Make sure you can commit your money for the full term
  • You can hold more than one cash ISA, but you can only open one new cash ISA per tax year

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 are only allowed to open one new cash ISA per tax year, so if you opt for a 5-year fixed rate ISA, for example, you will not be able to open another cash ISA until the next tax year. The only exception to this is if a provider allows you to ‘share’ your ISA allowance across their range of cash ISAs.

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 this is only while the product remains on general sale. However, as soon as the fixed rate ISA is withdrawn from sale to new customers, you won’t be able to put any further money into it.

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 before the end of the term, look instead at an easy access ISA, one that offers penalty-free access after a notice period has been served, or fix for a shorter term. 

 

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Moneyfacts tip Image of Leanne Macardle

Don’t open a long-term fixed rate ISA if you think you’ll need access to your money during the term. If you make a withdrawal the interest penalty charged could mean that you’ll earn less interest on your ISA savings than if you had opted for the top-paying easy access cash ISA instead.

ISA guides

More guides
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What are the different types of ISA?

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).

Read More
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How do ISA transfers work?

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.

Read More
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The rules on inheriting ISAs

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.

Read More
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2023-24 ISA allowance guide

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.

Read More

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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.

Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.