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This comparison simply includes all savings accounts.

Leeds Building Society
Limited Issue 30 Month Fixed Rate Cash ISA Leeds Building Society
Min deposit £1000
Term 30 Months
Interest AER 2.75%

Why we like it: Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 180 days lost interest

Hampshire Trust Bank
Fixed Rate Cash ISA Hampshire Trust Bank
Min deposit £1
Term 5 years
Interest AER 2.60%

Why we like it: Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2021. Must be UK resident and be aged 18 or older. No withdrawals permitted

Hampshire Trust Bank
Fixed Rate Cash ISA Hampshire Trust Bank
Min deposit £1
Term 3 years
Interest AER 2.50%

Why we like it: Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2021. Must be UK resident and be aged 18 or older. No withdrawals permitted

Leeds Building Society
Fixed Rate Cash ISA Leeds Building Society
Min deposit £100
Term 5 years
Interest AER 2.15%

Why we like it: Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 365 days lost interest

Leeds Building Society
Fixed Rate Cash ISA Leeds Building Society
Min deposit £100
Term 3 years
Interest AER 2.05%

Why we like it: Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 240 days lost interest

Leeds Building Society
Fixed Rate Cash ISA Leeds Building Society
Min deposit £100
Term 2 Years
Interest AER 2.00%

Why we like it: Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 150 days lost interest

Leeds Building Society
Fixed Rate Cash ISA Leeds Building Society
Min deposit £100
Term 1 Year
Interest AER 1.55%

Why we like it: Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 60 days lost interest

Nationwide
1 Year Triple Access Online ISA Nationwide
Min deposit £1
Term Easy Access or up to 1 Year
Interest AER 1.00%

Why we like it: Make up to three withdrawals during the 12-month term of this account. Tax free ISA account. Open with £1 or transfer in existing ISA funds. Invest up to £20,000 per tax year. Manage your account online. Interest paid at maturity. FSCS Protected. Must be UK resident and aged 16 or older. Make more than three withdrawals and the rate drops to 0.01% AER/gross p.a. (variable). Not available in branch

Why have a Savings Account that you cannot access?

You will not have instant access to this savings account but the interest rate will be higher as a result, and you can avoid paying tax on the interest. 

What is a fixed rate ISA?

Fixed rate ISAs allow you to earn a guaranteed rate of interest on your savings without paying tax on that interest. They are normally offered over 1-3 years with the level of interest staying the same for the entire period of the ISA.

With a fixed rate ISA, you agree not to access yours savings during the life of the product. Legally ISA providers do have to allow you access to your money if you need it, but they can (and normally do) charge heavy penalty fees for this.

Alternatives to fixed rate ISAs:

A popular alternative is tracker rate ISAs which give you a rate of interest which is tied to a base rate (often the Bank of England base rate) plus a set extra percentage. If the base rate moves up, your interest rate will move up in line with it.

A tracker ISA means that if interest rates increase, so will the rate you earn on your savings. 

However, the starting rate on a tracker ISA will tend to be lower than for a fixed rate ISA, so the better option will normally depend on how likely you think it is that interest rates will rise over the lifetime of the ISA.

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We've been comparing savings and current accounts for many years so you can trust you're in good hands.