Best Rate cash Isas 5-year fixed-rate cash Isas
The table below shows the best five-year fixed-rate cash Isas. If you've already used your cash Isa allowance (£5,760) this year, you could still get a great deal with a Best Rate five-year fixed-rate savings account.
| Provider | AER AER help | Access Access help | Min deposit | Transfer in | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
| Virgin Money Fixed Rate Cash Isa  | 3.00% |
| £1 | Yes | 54% |  |
| Virgin Money Fixed Rate Cash E-Isa | 3.00% |
| £1 | Yes | 54% | |
| Principality BS Five-year Fixed Rate Isa  | 2.75% |
| £500 | Yes | 64% | |
Help
AER
AER is annual equivalent rate and shows how much interest you'll receive in one year.
Access
Key:
- Branch
- Internet
- Postal
- Telephone
Customer score
Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member. Customer scores are based at brand level.
Customer scores based on a survey of 12,402 Which? connect online community members carried out in June 2012 and November 2012.
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.
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 by our members 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.
- For more information on cash Isas, call our Money Helpline for guidance from our trained advisers
- For an alternative to Isas take a look at our guide to finding the best savings account
- Or take a look at our guide to stocks and shares Isas
