Fixed rates
Looking for our best fixed rate savings account?
Whether it's a fixed rate ISA, or a fixed rate saver. Compare our accounts below. Fixed rates are perfect for earning interest on lump sums that you don't need to access for a while.
Fixed rates are perfect for earning interest on lump sums that you don't need to access for a while.
Find the best fixed rate savings account for you. Compare our range which can include fixed rate ISAs and fixed rate savers.
Want to learn more? Take a look at our FAQs.
Cash ISA
Fixed Rate ISA (335) 31.12.2028
Save up to £20,000 in the 2026/27 tax year and earn tax-free interest, with the certainty that your rate won’t change.
Rate
4.63%
Tax-free p.a./AER
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
No
After the 14-day 'cancellation period' you can't take out part of the money - only full closure is allowed. Charges apply.
Interest paid
Deposits
£1-£20,000
For the 2026/2027 tax year
Current and previous years' transfers are allowed
Cash ISA
Fixed Rate ISA (333) 30.09.2027
Save up to £20,000 in the 2026/27 tax year and earn tax-free interest, with the certainty that your rate won’t change.
Rate
4.60%
Tax-free p.a./AER
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
No
After the 14-day 'cancellation period' you can't take out part of the money - only full closure is allowed. Charges apply.
Interest paid
Deposits
£1 - £20,000
For the 2026/2027 tax year
Current and previous years' transfers are allowed
Fixed Rates
Fixed Rate Saver (28) 30.11.2029
Earn a fixed rate of interest on your money
Rate
4.20%
AER/Gross p.a.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
The gross rate is the interest rate payable before the deduction of tax.
A fixed rate won’t change for the fixed term. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
No
After the 14-day ‘cooling-off period’, you can’t make withdrawals or close the account.
Interest paid
Fixed Rates
Fixed Rate Saver (27) 30.11.2028
Earn a fixed rate of interest on your money
Rate
4.10%
AER/Gross p.a.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
The gross rate is the interest rate payable before the deduction of tax.
A fixed rate won’t change for the fixed term. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
No
After the 14-day ‘cooling-off period’, you can’t make withdrawals or close the account.
Interest paid
Fixed Rates
Fixed Rate Saver (26) 30.11.2027
Earn a fixed rate of interest on your money
Rate
4.00%
AER/Gross p.a.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
The gross rate is the interest rate payable before the deduction of tax.
A fixed rate won’t change for the fixed term. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
No
After the 14-day ‘cooling-off period’, you can’t make withdrawals or close the account.
Interest paid
What is a fixed rate savings account?
Fixed rate savings accounts let you earn interest at a rate that doesn’t change for the term of the product.
They’re great for lump sums that you won’t need to touch for a while. You may find they offer a better return than you’d get from a variable rate account. There may be restrictions or charges if you want to withdraw money before the fixed term ends.
Our fixed rate accounts might be for you if:
- You're looking for a higher rate of interest
- You don't need instant access to your savings
- You have a lump sum to put away.
What happens at the end of the fixed term?
When your account matures at the end of the fixed term, you'll be able to decide what to do with your money. We'll get in touch and give you your options at least 14 days before your account matures.
When we get in touch, we'll give you a default option that your money will move to - unless you tell us to do something else. The length of term on the default option will either be shorter, the same or no more than six months longer than the duration of your original account.
If you want to re-invest your money in the default option, you don't need to do anything.
If you want to withdraw some or all of your money, close your account or re-invest your money into one of our other savings options, you just need to tell us.
- If you're registered for Online Services, you can do this online. We'll email you so you know exactly how to do this.
- If not, we'll send you a letter. This will include a Maturity Instruction form that you can send back to us to tell us what you'd like to do.
Can I take my money out early?
With a fixed rate account, we usually offer a better rate in exchange for locking your savings away. This means you can’t withdraw them before your fixed term ends.
We normally offer a ‘14-day cooling-off period’. After this, you won’t be able to take out your money (including any interest paid) or close the account before the fixed term ends.
Should I fix my savings?
If you’re looking for a guaranteed rate of interest, fixed rate accounts can give you that.
They’re a great option if:
- You're looking for a higher rate of interest
- You don't need instant access to your savings
- You have a lump sum to put away.
Are fixed rate savings accounts safe?
Like our other savings accounts, our fixed rate savings accounts are protected by the Financial Services Compensation Scheme (FSCS). The FSCS will protect up to £120,000 of any eligible deposits you have with us.
If the amount you have saved goes over this limit, the extra amount is unlikely to be protected.
Why save with us?
Savers are in safe hands with us - and so is your money.
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Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on 0800 121 8899
- Mon-Fri 8am-7pm
- Saturday 9am-2pm
- Sunday & Bank holidays Closed
Yesterday, people waited on average
17 seconds for savings enquiries
17 seconds for mortgage enquiries
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on
0800 121 8899
Saturday
Sunday
9am - 2pm
Closed
Closed
Yesterday, people waited on average
126 seconds for savings enquiries
75 seconds for mortgage enquiries
