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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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Best ISA Rates - 4 Year Fixed

  • United Trust Bank Logo
    United Trust Bank ISA 4 Year Bond FSCS logo
    FSCS logo
    AER
    2.00%
    Account Type
    Cash ISA
    Notice / Term
    4 Year Bond
    Interest Paid
    Anniversary
    Opening Account
    Not Available Online Not Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Not Available Online Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 2.00% paid at £15K
    AER 2.00% paid at £15K
    Interest Paid Anniversary
    Interest payment Interest can be paid away or compounded
    Min Opening Amount £15,000
    Max Investment £0
    Introductory bonus N/A

    Access

    Withdrawals Allowed
    Early Access Allowed
    Access Note
    Earlier access subject to penalty.
    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
  • Newcastle BS Logo
    Newcastle BS Three Year Fixed Rate ISA (Issue 8) FSCS logo
    FSCS logo
    AER
    1.85%
    Account Type
    Cash ISA
    Notice / Term
    24.08.22
    Interest Paid
    Monthly
    Opening Account
    Not Available Online Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Available At Branch Available By Mail Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 1.83% paid at £500
    AER 1.85% 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 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 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 -
    Flexible Rules Apply
    Split ISA Allowance Between Different ISAs With Same Provider

    Additional Information

    N/A
  • Newcastle BS Logo
    Newcastle BS Three Year Fixed Rate ISA (Issue 8) FSCS logo
    FSCS logo
    AER
    1.85%
    Account Type
    Cash ISA
    Notice / Term
    24.08.22
    Interest Paid
    Yearly
    Opening Account
    Not Available Online Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Available At Branch Available By Mail Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 1.85% paid at £500
    AER 1.85% paid at £500
    Interest Paid Yearly
    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 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 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 -
    Flexible Rules Apply
    Split ISA Allowance Between Different ISAs With Same Provider

    Additional Information

    N/A
  • Hodge Bank Logo
    Hodge Bank 4 Year Fixed Rate Cash ISA FSCS logo
    FSCS logo
    AER
    1.80%
    Account Type
    Cash ISA
    Notice / Term
    4 Year Bond
    Interest Paid
    Monthly
    Opening Account
    Available Online Not Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Not Available Online Not Available At Branch Available By Mail Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 1.79% paid at £1K
    AER 1.80% 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 closure only subject to 320 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 Minimum transfer accepted £1K.
    Flexible Rules Apply
    Split ISA Allowance Between Different ISAs With Same Provider

    Additional Information

    N/A
  • Hodge Bank Logo
    Hodge Bank 4 Year Fixed Rate Cash ISA FSCS logo
    FSCS logo
    AER
    1.80%
    Account Type
    Cash ISA
    Notice / Term
    4 Year Bond
    Interest Paid
    Yearly
    Opening Account
    Available Online Not Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Not Available Online Not Available At Branch Available By Mail Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 1.80% paid at £1K
    AER 1.80% paid at £1K
    Interest Paid Yearly
    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 closure only subject to 320 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 Minimum transfer accepted £1K.
    Flexible Rules Apply
    Split ISA Allowance Between Different ISAs With Same Provider

    Additional Information

    N/A
  • Secure Trust Bank Logo
    Secure Trust Bank 4 Year Fixed Rate Cash ISA FSCS logo
    FSCS logo
    AER
    1.78%
    Account Type
    Cash ISA
    Notice / Term
    08.09.23
    Interest Paid
    Yearly
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 1.78% paid at £1K
    AER 1.78% paid at £1K
    Interest Paid Yearly
    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 closure on 230 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
  • Secure Trust Bank Logo
    Secure Trust Bank 3 Year Fixed Rate Cash ISA FSCS logo
    FSCS logo
    AER
    1.77%
    Account Type
    Cash ISA
    Notice / Term
    09.09.22
    Interest Paid
    Yearly
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 1.77% paid at £1K
    AER 1.77% paid at £1K
    Interest Paid Yearly
    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 closure on 210 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
  • Coventry BS Logo
    Coventry BS Fixed Rate ISA (92) 30.11.2022 FSCS logo
    FSCS logo
    AER
    1.75%
    Account Type
    Cash ISA
    Notice / Term
    30.11.22
    Interest Paid
    Yearly
    Opening Account
    Available Online Available At Branch Available By Mail Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Available At Branch Available By Mail Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 1.75% paid at £1
    AER 1.75% paid at £1
    Interest Paid Yearly
    Interest payment Interest can be paid away or compounded
    Min Opening Amount £1
    Max Investment £0
    Introductory bonus N/A

    Access

    Withdrawals Allowed
    Early Access Allowed
    Access Note
    Earlier access on closure only on 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 Within 14 days of account opening or whilst issue remains open, whichever period is longer.
    Flexible Rules Apply
    Split ISA Allowance Between Different ISAs With Same Provider

    Additional Information

    N/A
  • Virgin Money Logo
    Virgin Money 3 Year Fixed Rate Cash E-ISA Issue 396 FSCS logo
    FSCS logo
    AER
    1.71%
    Account Type
    Cash ISA
    Notice / Term
    24.08.22
    Interest Paid
    Monthly
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 1.70% paid at £1
    AER 1.71% paid at £1
    Interest Paid Monthly
    Interest payment Interest can be paid away or compounded
    Min Opening Amount £1
    Max Investment £0
    Introductory bonus N/A

    Access

    Withdrawals Allowed
    Early Access Allowed
    Access Note
    Earlier access 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 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 -
    Flexible Rules Apply
    Split ISA Allowance Between Different ISAs With Same Provider

    Additional Information

    N/A
  • Virgin Money Logo
    Virgin Money 3 Year Fixed Rate Cash E-ISA Issue 396 FSCS logo
    FSCS logo
    AER
    1.71%
    Account Type
    Cash ISA
    Notice / Term
    24.08.22
    Interest Paid
    Yearly
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Rates
    Access
    Information
    Opening Restrictions
    ISA Information
    Additional Information

    Rates

    Rate 1.71% paid at £1
    AER 1.71% paid at £1
    Interest Paid Yearly
    Interest payment Interest can be paid away or compounded
    Min Opening Amount £1
    Max Investment £0
    Introductory bonus N/A

    Access

    Withdrawals Allowed
    Early Access Allowed
    Access Note
    Earlier access 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 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 -
    Flexible Rules Apply
    Split ISA Allowance Between Different ISAs With Same Provider

    Additional Information

    N/A

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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?

Leanne Macardle

Leanne Macardle

Editor

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.

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