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Best 5 year and longer 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 a 5 year fixed rate ISA means that you can enjoy a fixed rate over a longer term.

Using the chart below, begin your comparison by viewing today's best rates.

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Browse Fixed Rate ISA Terms

Best ISA Rates - 5 Year Fixed

Best ISA Rates - 5 Year Fixed

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We found 29 products in total, of which 3 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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  • UBL UK 5 Year Fixed Rate Cash ISA
    AER
    4.08%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    On Maturity
    Further Options ˅
    Go To Provider's Site
    AER
    4.08%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Anniversary
    Go To Provider's Site
    AER
    4.08%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Quarterly
    Go To Provider's Site
    AER
    4.08%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Shawbrook Bank 5 Year Fixed Rate Cash ISA Bond Issue 46
    AER
    4.07%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    Go To Provider's Site
    AER
    4.07%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • Paragon Bank 5 Year Fixed Rate Cash ISA
    AER
    4.05%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    Go To Provider's Site
    AER
    4.05%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Monthly
    Go To Provider's Site
  • State Bank of India 5 Year Cash ISA Fixed Deposit
    AER
    4.15%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    On Maturity (Compounded Annually)
  • Principality BS 5 Year Fixed Rate Cash ISA (Issue 338)
    AER
    4.08%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Anniversary
    Further Options ˅
    AER
    4.08%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Monthly
  • Secure Trust Bank 5 Year Fixed Rate Cash ISA (09.Jul.29)
    AER
    4.07%
    Account Type
    Cash ISA
    Term
    09.07.29
    Interest Paid
    Yearly
  • Beehive Money Five Year Fixed ISA Issue 2
    AER
    4.05%
    Account Type
    Cash ISA
    Term
    30.06.29
    Interest Paid
    Yearly
  • Close Brothers Savings 5 Year Fixed Rate Cash ISA
    AER
    4.05%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Yearly
  • Nottingham BS Fixed Rate ISA Issue 185
    AER
    4.05%
    Account Type
    Cash ISA
    Term
    30.06.29
    Interest Paid
    Yearly
  • Zopa Smart ISA - 5 Year Fixed Term ISA pot
    AER
    4.01%
    Account Type
    Cash ISA
    Term
    5 Year Bond
    Interest Paid
    Monthly
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 5 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 five year fixed rate ISA will give you a fixed rate of interest across five 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 5 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

4 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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