2 year fixed rate ISA best buys - Moneyfacts.co.uk

2 Year Fixed Rate ISA Best Buys

  - Find the best 2 year fixed rate ISA with our independent Best Buys.
 
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Compare the Best 2 Year Fixed Rate Cash ISAs

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1456 accounts
 

1.15%
02.01.19 £100 Yes
  1. Yes
  2. Yes
  3. Yes
  4. No
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1.15%
2 Year Bond £1000 Yes
  1. Yes
  2. No
  3. No
  4. No
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1.10%
2 Year Bond £500 Yes
  1. Yes
  2. No
  3. No
  4. No
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1.05%
20.12.18 £500 Yes
  1. Yes
  2. Yes
  3. No
  4. No
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1.00%
2 Year Bond £1 Yes
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  

1.00%
31.01.19 £500 Yes
  1. No
  2. Yes
  3. No
  4. No
Details...  

1.00%
2 Year Bond £1000 Yes
  1. Yes
  2. Yes
  3. Yes
  4. No
Details...  

1.00%
2 Year Bond £5000 Yes
  1. No
  2. Yes
  3. Yes
  4. Yes
Details...  

1.00%
2 Year Bond £5000 Yes
  1. Yes
  2. No
  3. No
  4. No
Details...  

0.90%
2 Year Bond £1 Yes
  1. Yes
  2. No
  3. No
  4. No
Details...  
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0.75%
2 Year Bond £1 Yes
  1. Yes
  2. Yes
  3. No
  4. No
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Last Updated: Friday 9 December 2016 00:07

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to open an account today. Products shown with a yellow background are sponsored products.

The UK Government has proposed to increase the deposit protection level from £75,000 to £85,000 of eligible deposits from 30 January 2017.

Disclaimer:
All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
 
Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme up to a maximum level of protection of £75,000 per person per institution.
 
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2 year fixed rate ISAs explained

  • A solid medium term option for ISA cash you don’t need to access
  • Make sure you can commit your money for the full 2 year term
  • Not usually allowed to make further deposits after account opening

If you don’t want to commit your money for too long, but are looking to earn a better rate of interest than is available on short term ISAs, a 2 year fixed rate ISA could be for you.

All cash ISAs have to allow you to transfer your money to another provider, at any point during the term. However, a sizeable interest penalty will be charged if you do – typically anything up to 180 days’ loss of interest.

Warning As with all fixed rate ISAs, it’s important that you’re certain you can commit your money for the full term.

In the 2014-15 tax year (6 April 2014 – 5 April 2015), you can deposit up to £5,940 into a cash ISA. You are only allowed to open one new cash ISA per tax year so if you opt for a 2 year fixed rate ISA, you would not be able to open another cash ISA until April 2015.

When opening a fixed rate ISA, you’ll normally only be allowed to make a single deposit. So if you don’t deposit your full cash ISA allowance, and wished to make a further deposit later, you may only be able to contribute to a pre-existing easy access cash ISA as you’ll likely be unable to make further contributions to your fixed rate ISA pot.

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