Terms and Conditions: 4.30% AER/Tax-free p.a. (fixed) for 2 years on balances above £25,000. Alternative rates available on balances below £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Details
Interest Paid
Monthly
Maximum Balance
Not applicable
Minimum Age
18
UK Resident
Yes
2 Year Fixed Rate ISA - Tier 2
Interest AER4.30%
Min deposit£25000
Term2 Years
2 Year Fixed Rate ISA - Tier 2Royal Bank of Scotland
Terms and Conditions: 4.30 AER/Tax-free p.a. (fixed) for 2 years on balances above £25,000. Alternative rates available on balances below £25,000. Rate available until 5pm on 15th April 2026 for new customers and 20th April 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 11th May 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
New deposits between £1 and £20,000. ISA transfers in also allowed. Open and manage online or on mobile banking app. FSCS Protected. After 12 months, your account will switch to an Instant Access Cash ISA and receive the standard variable rate. Withdrawals permitted subject to 90 days lost interest
If you wish to access a fixed interest rate without necessarily tying up your money for a set period of time, you may want to open an Instant Access ISA.
An Instant Access ISA is an account that you can use to put your savings in and make your savings work harder for you.
An Instant Access ISA account has both the advantages of an ISA and some of the flexibility of an instant cash savings account.
If choose to open an Instant Access ISA, you will be able to withdraw as much as you like from the account, and providing you replace it within the same tax year it will not count towards your annual ISA allowance.
The ability to access your savings whilst enjoying competitive interest may help you to achieve your savings goals. Find our savings rates table above forthe latest interest rate deals.
Features of an Instant Access ISA
You may benefit from opening an Instant Access ISA:
No income tax – unlike other financial products the interest you earn in your ISA is not subject to tax
Easy access – If you wish to open an Instant Access ISA, as opposed to a fixed rate cash ISA, you will benefit from competitive interest as well as easy access to your money, should you need it
No need to declare – you are not obliged to declare your cash ISA or any interest you get from your ISA on your tax return
Straightforward transfers – you have the option to transfer your cash ISA to another provider if you find a better interest rate
