Best 4 Year ISA Rates | Compare & Open Today | moneyfacts.co.uk
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Best 4 Year Fixed Rate ISAs

Why choose a 4 year Fixed ISA?

While simply having money in a cash ISA means that you can earn tax-free interest, having your money in a 3, 4 or even 5-year fixed rate ISA means that you can benefit from some of the highest savings rates available. View today's best rates below. 

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Browse Fixed Rate ISA Terms

Best ISA Rates - 4 Year Fixed

Best ISA Rates - 4 Year Fixed

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  • Hodge Bank 4 Year Fixed Rate Cash ISA
    AER
    0.75%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Yearly
    Further Options ˅
    AER
    0.75%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Monthly
  • Coventry BS Fixed Rate ISA (125) 31.05.2024
    AER
    0.70%
    Account Type
    Cash ISA
    Term
    31.05.24
    Interest Paid
    Yearly
  • Leeds BS 3 Year Fixed Rate ISA (Issue 99)
    AER
    0.70%
    Account Type
    Cash ISA
    Term
    02.01.24
    Interest Paid
    Yearly
  • Sainsbury's Bank Fixed Rate Cash ISA
    AER
    0.69%
    Account Type
    Cash ISA
    Term
    4 Year Bond
    Interest Paid
    Anniversary
  • Yorkshire Building Society Fixed Rate e-ISA to 31.12.23
    AER
    0.60%
    Account Type
    Cash ISA
    Term
    31.12.23
    Interest Paid
    Yearly
  • Yorkshire Building Society Fixed Rate ISA to 31.12.23
    AER
    0.60%
    Account Type
    Cash ISA
    Term
    31.12.23
    Interest Paid
    Yearly
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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How does a long term Fixed ISA work?

At a glance

  • Long-term fixed rate ISAs offer the very best rates
  • Make sure you can commit your money for the full term
  • You can hold more than one cash ISA, but you can only open one new cash ISA per tax year

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 5-year fixed rate ISA, for example, 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 fixed rate 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 before the end of the term, look instead at an easy access ISA, one that offers penalty-free access after a notice period has been served, or fix for a shorter term. 

Looking for easy access?

Moneyfacts tip Leanne Macardle

Don’t open a long-term fixed rate ISA if you think you’ll need access to your money during the term. If you make a withdrawal the interest penalty charged could mean that you’ll earn less interest on your ISA savings than if you had opted for the top-paying easy access cash ISA instead.

Discover different fixed rate ISA terms

Best 4 Year ISA Rates

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