Best fixed rate cash ISAs – earn up to 4.32%

We look at the best fixed rate cash ISAs on the market right now for savers who are willing to lock their cash away for guaranteed tax-free gains

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(Image credit: Richard Drury via Getty Images)

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.

The Bank of England held interest rates in June, so it's a good idea to secure favourable rates now by locking your savings away into a fixed rate cash ISA.

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Account

AER

Minimum investment

Notes

Close Brothers Savings 1 Year Fixed Rate Cash ISA

4.32%

£10,000

Open online

Cynergy Bank Fixed Rate Cash ISA

4.32%

£500

Open online

Castle Trust Bank Fixed Rate e-Cash ISA

4.31%

£1,000

Open online

Hodge Bank 1 Year Fixed Rate Cash ISA

4.3%

£1,000

Open online

Swipe to scroll horizontally

Account

AER

Minimum investment

Notes

Newcastle BS 18 Month Fixed Rate ISA

4.1%

£1

Open online or in person

Charter Savings Bank 18 Month Fixed Rate Cash ISA

4.01%

£5,000

Open online, in person or over the phone

Barclays Bank 18-Month Flexible Cash ISA

3.85%

£1

Open online, in person or over the phone

Monmouthshire BS 18 Month Fixed Rate ISA

3.8%

£1,000

Open online or in person

Swipe to scroll horizontally

Account

AER

Minimum investment

Notes

Marsden BS Fixed Rate Cash ISA

4.3%

£5,000

Open online

United Trust Bank Cash ISA 2 Year Bond

4.25%

£5,000

Open online

Close Brothers Savings 2 Year Fixed Rate Cash ISA

4.23%

£10,000

Open online

Cynergy Bank Fixed Rate Cash ISA

4.23%

£500

Open online

Swipe to scroll horizontally

Account

AER

Minimum investment

Notes

United Trust Bank Cash ISA 3 Year Bond

4.25%

£5,000

Open online

Close Brothers Savings 3 Year Fixed Rate Cash ISA

4.23%

£10,000

Open online

Cynergy Bank Fixed Rate Cash ISA

4.23%

£500

Open online

UBL UK 3 Year Fixed Rate Cash ISA

4.22%

£2,000

Open online, in person or via post

Swipe to scroll horizontally

Account

AER

Minimum investment

Notes

UBL UK 4 Year Fixed Rate Cash ISA

4%

£2,000

Open online, in person or via post

United Trust Bank Cash ISA 4 Year Bond

4%

£5,000

Open online

Zopa Smart ISA - 4 Year Fixed Term ISA pot

3.8%

£1

Open via the Zopa App

Gatehouse Bank 4 Year Fixed Term Woodland Cash ISA

3.7%

£1,000

Open online

Swipe to scroll horizontally

Account

AER

Minimum investment

Notes

Castle Trust Bank Fixed Rate e-Cash ISA

4.24%

£1,000

Open online or over the phone

Close Brothers Savings 5 Year Fixed Rate Cash ISA

4.24%

£10,000

Open online

Nottingham BS 5 Year Fixed Rate Cash ISA

4.23%

£500

Open in person

UBL UK 5 Year Fixed Rate Cash ISA

4.22%

£2,000

Open online, in person or by post

Daniel is a digital journalist at Moneyweek and enjoys writing about personal finance, economics, and politics. He previously worked at The Economist in their Audience team.

Daniel studied History at Emmanuel College, Cambridge and specialised in the history of political thought. In his free time, he likes reading, listening to music, and cooking overambitious meals.

With contributions from