Best 5 Year Fixed Rate ISAs | Rates Up To 4.26%

Home ISA 5 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 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.

Amount

Child Age

Investment Type

Lump Sum

Regular

ISA Transfer

Interest Paid

Annually

Monthly

On Maturity

Quarterly

Account Opening

Online

Branch

Post

Telephone

Mobile App

Account Management

Online

Branch

Post

Telephone

Mobile App

Further Options

Exclude platform accounts

Yes

Show existing customer accounts

Yes

On Maturity

Further Options ˅

Anniversary

Further Options ˅

Anniversary

Further Options ˅

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On Maturity (Compounded Annually)

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.

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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

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.