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The best fixed rate cash ISAs are paying some of the highest rates in years. We look at the top ISA deals for those willing to lock their cash away for tax-free gains.
Currently, the best fixed rate cash ISAs can help you grow your tax-free savings and are returning up to 4.91% on your cash.
ISAs are some of the best savings vehicles you can use in the UK, as they allow for up to £20,000 of tax-free savings a year.
More than £95 billion was stashed into cash ISAs in the tax year 2024-2025, compared to the previous year, a 38% jump, according to the latest HMRC data.
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Two-year fixed rate ISAs are a good option for people who want to grow their money in the medium term without worrying about micro-managing their savings. Savers can earn up to 4.9%.
Savers who are willing to lock their cash away for three years can access interest rates of up to 5.15% by using one of the following savings accounts.
If you’re putting your money away for four years, you can earn up to 3.91% using one of the following accounts.
However, it is worth bearing in mind that if you are willing to keep your money in savings for an extra year, you can access a higher interest rate of 5.2%.
Join more than 165,000 subscribers and keep yourself informed with the latest financial news, insights and expert analysis to help you understand what really matters when it comes to your finances.
Oojal has a background in consumer journalism and is interested in helping people make the most of their money.
Oojal has an MA in international journalism from Cardiff University, and before joining MoneyWeek, she worked for Look After My Bills, a personal finance website, where she covered guides on household bills and money-saving deals.
Her bylines can be found on Newsquest, Voice.Cymru, DIVA and Sony Music, and she has explored subjects ranging from politics and LGBTQIA+ issues to food and entertainment.
Outside of work, Oojal enjoys travelling, going to the movies and learning Spanish with a little green owl.
