Best Rate cash Isas 2-year fixed-rate cash Isas

The table below shows the best two-year fixed-rate cash Isas. The overall cash Isa limit for this tax year (2014/15) is £5,940. However, from 1 July 2014, the overall investment limit for an Isa will be increased to £15,000 a year. The new annual limit can be made up of cash, or stocks and shares, or a mixture of both.

With interest rates on savings accounts and cash Isas falling, it's worth considering that some current accounts now pay higher levels of interest on balances that are in credit. See our current account reviews for more, and always read the terms and conditions carefully.

ProviderAER AER helpAccess Access helpMin depositTransfer inCustomer score Customer score helpFind out more
       
Britannia
Fixed Rate Cash Isa
Britannia
2.05%
  • Branch
  • Postal
£1Yes42%Visit site
Halifax
Isa Saver Fixed
2.05%
  • Branch
  • Telephone
£500Yes48%Visit site
TSB
Fixed Rate Isa
Tsb
2.00%
  • Branch
  • Internet
  • Telephone
£3,000Yes55%Visit site
Bank of Cyprus UK
Fixed Rate Cash Isa
Bank of Cyprus
1.90%
  • Branch
  • Internet
  • Postal
  • Telephone
£500Yesn/aVisit site
Skipton BS
Fixed Rate Isa
1.90%
  • Branch
  • Telephone
£500Yes56%Visit site
KRBS
Two-year Flexible Fixed Rate Cash Isa
1.85%
  • Branch
  • Postal
£1,000Yesn/aVisit site
Principality BS
Two-year Fixed Rate Isa
1.85%
  • Branch
  • Internet
  • Postal
£500Yes61%Visit site
Aldermore Bank
Fixed Rate Cash Isa
Aldermore
1.80%
  • Internet
  • Postal
  • Telephone
£1,000Yes63%Apply now
Julian Hodge Bank
Two-year Fixed Rate Isa
Julian Hodge Bank
1.80%
  • Postal
£5,640Yesn/aVisit site
Santander
Fixed Rate Isa
1.80%
  • Branch
  • Telephone
£500Yes49%Visit site

Help

AER

AER is annual equivalent rate and shows how much interest you'll receive in one year.

Back to AER in money table

Access

Key:

  • Branch
  • Internet
  • Postal
  • Telephone
Back to access in money table

Customer score

Which? score based on customer satisfaction and likelihood of recommending company to friend/family member. Customer scores are based at brand level.

Back to customer score in money table

Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.

Customer scores are based on a survey of an online panel of respondents from the general public, who were invited to take part in the savings account customer satisfaction survey - during March 2014. The final sample size was 5,254.

How we choose our Best Rate Cash Isas

Which? Best Rate cash Isas offer the best rates on the market, subject to the following conditions:

  • Providers must be fully covered by the Financial Services Compensation Scheme (FSCS) - see limits of protection
  • All of our Best Rate accounts are standalone (not tied to the purchase of another product and not available via third-party organisations or comparison sites) and available nationally, but it's worth checking the rates paid by smaller building societies in your area to see if they can do a little better
  • Accounts are available at a branch, by post, phone or internet and all displayed show the annual effective rate (AER) before tax.
  • To be a Which? Recommended Provider (WRP) accounts must accept transfers-in from other providers

Which? Recommended Providers 

Which? Recommended Providers are companies that are both rated highly and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.

Which? Warning Poor Satisfaction

We also understand that for many people, finding products with the best rate is a priority. But where a product from a provider with a poor customer score appears in our Best Rate tables, we'll highlight this with the warning logo. Our customer satisfaction surveys measure overall satisfaction with the provider in relation to savings accounts, not individual savings accounts offered by the brand. The customer score should therefore not be associated specifically with any individual savings accounts. Only customer scores that are significantly below average and fall into our bottom statistical tier receive our warning. Our customer scores are updated every six months.

By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.

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