Best Savings Accounts You Cannot Access
Best Buys
Instant Access
Easy Access & Notice
Fixed Rate Bonds
Cash ISAs
Fixed Rate ISAs
Cash ISAs - Mobile App Only
Cash ISAs - Investment Accounts
Investment ISAs
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Bank Switch Offers
Bank Accounts
High Interest Bank Accounts
Mobile App Bank Accounts
Money Transfer Accounts
No Credit Check Bank Accounts
Student Bank Accounts
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Business Bank Accounts
Business Savings Accounts
Business Money Transfer Account
Pre-Paid Business Cards
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Bank Accounts with Overdraft
Premier Bank Accounts
Fixed Rate Bonds 1 Year
Fixed Rate Bonds 2 Year
Fixed Rate Bonds 3 Year
Fixed Rate Bonds 5 Year
Investments
Pensions
Lifetime ISAs
Travel Money Cards
Foreign Currency Ordering
Peer to Peer ISAs
Children’s Savings
Regular Savings
Charity Savings
Peer to Peer
This comparison simply includes all savings accounts.
Most Popular
Highest Rate
Opening Amount
Fixed Rate Cash ISA
Interest AER
4.24%
Min deposit
£1
Term
5 Years
Fixed Rate Cash ISA
Hampshire Trust Bank
More Information
Why we like it
ISA transfers also allowed in. No withdrawals permitted. FSCS Protected
Details
Interest Paid
Annually
Maximum Balance
£250,000
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
4.14%
Min deposit
£1000
Term
1 Year
Fixed Rate Cash ISA
Investec Savings
More Information
Why we like it
ISA transfers not currently allowed in. Open and manage online. FSCS Protected. Withdrawals permitted subject to 90 days lost interest
Details
Interest Paid
Annually
Maximum Balance
£1,000,000
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
4.05%
Min deposit
£100
Term
5 Years
Fixed Rate Cash ISA
Leeds Building Society
More Information
Why we like it
ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Withdrawals permitted subject to 365 days lost interest
Details
Interest Paid
Annually
Maximum Balance
Unlimited
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
4.00%
Min deposit
£1
Term
1 Year
Fixed Rate Cash ISA
Hampshire Trust Bank
More Information
Why we like it
ISA transfers also allowed in. No withdrawals permitted. FSCS Protected
Details
Interest Paid
At maturity
Maximum Balance
£250,000
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
3.90%
Min deposit
£1
Term
2 Years
Fixed Rate Cash ISA
Hampshire Trust Bank
More Information
Why we like it
ISA transfers also allowed in. No withdrawals permitted. FSCS Protected
Details
Interest Paid
Annually
Maximum Balance
£250,000
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
3.85%
Min deposit
£1
Term
12 Months
Fixed Rate Cash ISA
OakNorth
More Information
Why we like it
ISA transfers also allowed in. FSCS Protected. 90 day interest penalty on early withdrawals
Details
Interest Paid
Monthly
Maximum Balance
£500,000
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
3.80%
Min deposit
£100
Term
1 Year
Fixed Rate Cash ISA
Leeds Building Society
More Information
Why we like it
ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Withdrawals permitted subject to 90 days lost interest
Details
Interest Paid
Annually
Maximum Balance
Unlimited
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
3.80%
Min deposit
£100
Term
2 years
Fixed Rate Cash ISA
Leeds Building Society
More Information
Why we like it
ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Withdrawals permitted subject to 180 days lost interest
Details
Interest Paid
Annually
Maximum Balance
Unlimited
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
3.80%
Min deposit
£100
Term
3 years
Fixed Rate Cash ISA
Leeds Building Society
More Information
Why we like it
ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Withdrawals permitted subject to 270 days lost interest
Details
Interest Paid
Annually
Maximum Balance
Unlimited
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
3.75%
Min deposit
£1
Term
3 Years
Fixed Rate Cash ISA
Hampshire Trust Bank
More Information
Why we like it
ISA transfers also allowed in. No withdrawals permitted. FSCS Protected
Details
Interest Paid
Annually
Maximum Balance
£250,000
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
3.70%
Min deposit
£500
Term
1 Year
Fixed Rate Cash ISA
Post Office
More Information
Why we like it
ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. Withdrawals permitted subject to 90 days loss of interest. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK. FSCS Protected
Details
Interest Paid
At maturity
Maximum Balance
Unlimited
Minimum Age
18
UK Resident
Yes
Fixed Rate Cash ISA
Interest AER
3.70%
Min deposit
£100
Term
2 years
Fixed Rate Cash ISA
Yorkshire Building Society
More Information
Why we like it
ISA transfers also allowed in. Tax free interest. FSCS Protected. No withdrawals permitted. Closure permitted with 270 days' loss of interest
Details
Interest Paid
Annually
Maximum Balance
£5,000,000
Minimum Age
18
UK Resident
Yes
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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.
