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Important updates
    Changes to the Bank of England Base Rate

    The Bank of England decreased Base Rate from 4.00% to 3.75% on Thursday 18 December 2025. Following this announcement, we will be reviewing how this impacts our current savings interest rates and this may mean we need to change your variable interest rate if this is applicable to your product. If we do, we will be in touch to let you know and provide you with your options.

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    Fixed Rate Cash ISA

    Enjoy tax-free savings and peace of mind about your returns. Our Fixed Rate Cash ISAs make it simple to plan for the future.

    At a glance

    Fixed rate

    The interest rate is fixed and will not change during the term.

    Interest payments

    Interest begins to add up once your cleared payment is received. Interest is compounded and is paid into your Fixed Rate Cash ISA annually and at maturity.

    Adding funds

    You need to deposit at least £10,000 and no more than £2 million to open the account. You can send the money in single or multiple transfers within 10 days of your application being accepted.

    Withdrawals

    You can't take money out or add more money during the term of the account.

    Account holders

    Fixed Rate Cash ISAs can only be held by one person, meaning you can't have a joint ISA account.

    Maturity

    We'll contact you about 14 days before your Fixed Rate Cash ISA ends to explain your options. If we don't hear from you, your balance will go into a Cash ISA Maturity Account.

    Cooling off period

    If you close your account within 14 days of opening it, you won't be charged, and it won't count towards your ISA tax allowance for that year. After 14 days, you'll need to withdraw the full amount and pay an early closure fee, which is detailed in your application and product terms and conditions.

    If you're looking to deposit over £1 million, get in touch with us so we can discuss your options.

    Contact us
    Term
    AER / Gross PA AER
    Monthly intrest Gross Gross PA
    Annual intrest Gross PA
    1 Year
    4.05% AER / Gross PA AER
    Gross PA
    Select
    Annual gross
    Monthly gross
    4.05% AER
    2 Year
    3.95% AER / Gross PA AER
    Gross PA
    Select
    Annual gross
    Monthly gross
    3.95% AER
    3 Year
    3.95% AER / Gross PA AER
    Gross PA
    Select
    Annual gross
    Monthly gross
    3.95% AER
    5 Year
    3.95% AER / Gross PA AER
    Gross PA
    Select
    Annual gross
    Monthly gross
    3.95% AER

    This account could be right for you if…

    • You prefer a fixed rate so you'll know exactly how much interest you'll earn
    • You want to benefit from tax-free savings
    • You have a lump sum to deposit
    • You want to leave your tax-free savings to grow without dipping into them

    You should consider another account if…

    • You want a variable interest rate that may go up or down
    • You want flexibility to be able to top up or withdraw your money anytime
    • You want to pay money in after the first 10 days

    Additional information

    AER:

    AER stands for Annual Equivalent Rate and illustrates the interest rate you would earn from a savings account over the course of a year, and it takes any compounding of interest into account.
    Gross PA:

    Gross PA means Gross Per Annum, which shows the interest rate payable without tax deducted.

    Key features

    Fixed rate

    The interest rate is fixed and will not change during the term.

    Interest payments

    Interest begins to add up once your cleared payment is received. Interest is compounded and is paid into your Fixed Rate Cash ISA annually and at maturity.

    Adding funds

    You need to deposit at least £10,000 and no more than £2 million to open the account. You can send the money in single or multiple transfers within 10 days of your application being accepted.

    Withdrawals

    You can't take money out or add more money during the term of the account.

    Account holders

    Fixed Rate Cash ISAs can only be held by one person, meaning you can't have a joint ISA account.

    Maturity

    We'll contact you about 14 days before your Fixed Rate Cash ISA ends to explain your options. If we don't hear from you, your balance will go into a Cash ISA Maturity Account.

    Cooling off period

    If you close your account within 14 days of opening it, you won't be charged, and it won't count towards your ISA tax allowance for that year. After 14 days, you'll need to withdraw the full amount and pay an early closure fee, which is detailed in your application and product terms and conditions.

    Your eligible deposits held by a UK establishment of Close Brothers Limited are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.

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    More information

    • Our savings guides

      Our savings guides

      Here you will find useful information to learn more about our products and help you to choose from our range of savings accounts.

      Read our savings guides
    • Historic interest rates

      Historic interest rates

      Here you will find the all interest rates we have previously offered, this may help you to find the rate for a product you currently hold with us.

      View our historic rates