Best fixed rate cash ISAs – earn up to 4.32%

Currently, the best fixed rate cash ISAs can help you grow your tax-free savings and are returning up to 4.32% 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.

With a multitude of ISA reforms in the Autumn Budget and the end of the tax year just a few weeks away, it might be a good idea to secure favourable rates now by locking your savings away into a fixed rate cash ISA.

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However, make sure that you’re getting an inflation-busting savings rate; otherwise, you’ll be losing money in real terms.

If you're seeking the best cash ISA with a fixed rate, we list the top options currently on the market. We look at how many ISAs you can have in another guide.

Best 1 year fixed rate cash ISAs

If you’re willing to lock away your money for one year without withdrawing any of it, you could grow your savings by up to 4.23%.

Best cash ISAs up to 18 months

If you are after an account that keeps your money growing for up to 18 months, you can earn up to 4.2% using one of the following savers.

Best 2 year cash ISAs

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 4.21%.

Best 3 year fixed rate ISAs

Savers who are willing to lock their cash away for three years can access interest rates of up to 4.13% by using one of the following savings accounts.

Best 4 year fixed rate ISAs

If you’re putting away your money for four years, then you can get just under 4% returns 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 4.3%.

Best 5 year fixed rate ISAs

A five-year fixed-rate ISA is a good option for long-term savers who are trying to save towards a financial goal in the future.

The following accounts allow for up to 4.32% returns on your savings.