Best 1 Year Fixed Rate ISA Accounts

We found 68 products

Home ISA 1 Year Fixed Rate ISAs

Which ISA should I get?

If you normally deposit your whole cash ISA allowance in one go, and don’t make any withdrawals during the tax year, a 1-year fixed rate ISA could be the best route for you. Paying a guaranteed rate of interest, a fixed ISA can help you maximise your returns in comparison to easy access accounts. View today's best rates below or read our 1 year fixed rate ISA guide to learn more.

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Term

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Best ISA Rates - 1 Year Fixed

Cynergy Bank Fixed Rate Cash ISA

AER

1.56%

Account Type
Cash ISA

Notice / Term
1 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.56% paid at £500

AER 1.56% paid at £500

Interest Paid Anniversary

Interest payment Interest must be compounded

Min Opening Amount £500

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
Earlier access subject to 180 day loss of interest.

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be reinvested in a further Fixed Rate/Fixed Term account on equivalent/similar terms

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Paragon Bank 1 Year Fixed Rate Cash ISA

AER

1.50%

Account Type
Cash ISA

Notice / Term
1 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.50% paid at £500

AER 1.50% paid at £500

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £500

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
Earlier access subject to 90 day loss of interest.

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 18

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Paragon Bank 1 Year Fixed Rate Cash ISA

AER

1.50%

Account Type
Cash ISA

Notice / Term
1 Year Bond

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.49% paid at £500

AER 1.50% paid at £500

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £500

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
Earlier access subject to 90 day loss of interest.

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 18

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Aldermore 1 Year Fixed Rate Cash ISA

AER

1.45%

Account Type
Cash ISA

Notice / Term
1 Year Bond

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.44% paid at £1K

AER 1.45% paid at £1K

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
Earlier access on 90 day loss of interest.

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 18

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes ISA transfers forms within 10 business days.

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Aldermore 1 Year Fixed Rate Cash ISA

AER

1.45%

Account Type
Cash ISA

Notice / Term
1 Year Bond

Interest Paid
On Maturity

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.45% paid at £1K

AER 1.45% paid at £1K

Interest Paid On Maturity

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
Earlier access on 90 day loss of interest.

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 18

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes ISA transfers forms within 10 business days.

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Skipton BS 1 Year Online Fixed Rate ISA Issue 96

AER

1.35%

Account Type
Cash ISA

Notice / Term
1 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.25% paid at £500, 1.35% paid at £20K

AER 1.25% paid at £500, 1.35% paid at £20K

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £500

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
Earlier access on closure only on 120 day loss of interest.

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be reinvested in a further Fixed Rate/Fixed Term account on equivalent/similar terms

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes Within 7 days of account opening.

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Skipton BS 1 Year Online Fixed Rate ISA Issue 96

AER

1.35%

Account Type
Cash ISA

Notice / Term
1 Year Bond

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.24% paid at £500, 1.34% paid at £20K

AER 1.25% paid at £500, 1.35% paid at £20K

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £500

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
Earlier access on closure only on 120 day loss of interest.

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be reinvested in a further Fixed Rate/Fixed Term account on equivalent/similar terms

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes Within 7 days of account opening.

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Al Rayan Bank Fixed Term Deposit Cash ISA

AER

1.61%
Expected Rate

Account Type
Cash ISA

Notice / Term
12 Month Bond

Interest Paid
Quarterly

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.60% paid at £1K

AER 1.61% paid at £1K

Expected Profit Paid Quarterly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes Accepted for up to 30 days from account opening.

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

This bank operates under Islamic finance principles, the rates displayed represent the expected profit rate.

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.
Cynergy Bank Loyalty Fixed Rate Cash ISA

AER

1.57%

Account Type
Cash ISA

Notice / Term
1 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.57% paid at £500

AER 1.57% paid at £500

Interest Paid Anniversary

Interest payment Interest must be compounded

Min Opening Amount £500

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
Earlier access subject to 180 day loss of interest.

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be reinvested in a further Fixed Rate/Fixed Term account on equivalent/similar terms

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

Existing Customers (for 6 months or more.)

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.
Ford Money Fixed Cash ISA 1 Year

AER

1.55%

Account Type
Cash ISA

Notice / Term
1 Year Bond

Interest Paid
Anniversary

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.55% paid at £500

AER 1.55% paid at £500

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £500

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
Earlier access subject to 90 day loss of interest.

Further Additions Allowed

At the end of the fixed term
Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be reinvested in a further Fixed Rate/Fixed Term account on equivalent/similar terms

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Select a Savings Category

Note

Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme up to a maximum level of protection of £85,000 per person per institution.

Disclaimer

All rates subject to change without notice. Please check all rates and terms before investing or borrowing.

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At a glance

Earn a higher rate of interest than on a notice or easy access cash ISA
Make sure you can commit your money for a year
You can only usually make one deposit and/or transfer to the fixed rate ISA

Why should I choose a one-year fixed rate ISA?

One-year fixed rate ISAs are an excellent way to get a better rate of interest than might be possible with a notice or easy access account. Of course, if you do decide to invest in a one-year fixed rate ISA it’s important to be sure that you won’t need to access those savings for a whole year. While early access might be possible you’ll penalised with a hefty, if not total loss of interest.

How does a 1 Year ISA work?

In the 2019-20 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. You are only allowed to open one new cash ISA per tax year, so if you opt for a 1-year fixed rate ISA, you will not be able to open another cash ISA until the next tax year. The only exception to this is if a provider allows you to ‘share’ your ISA allowance across their range of cash ISAs.

You may only be able to make a single deposit and/or transfer in to your 1-year ISA when you open the account. You might be permitted to make further deposits into the ISA, but this is only while the product remains on general sale. However, as soon as the fixed rate ISA is withdrawn from sale to new customers, you won’t be able to put any further money into it.

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 1-year term, look instead at an ISA that will allow easy access, or penalty-free access after a notice period has been served.

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Best 1 Year Fixed Rate ISA Accounts

We found 68 products

Which ISA should I get?

Best ISA Rates - 1 Year Fixed

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access

Access Note

At the end of the fixed term

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access