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 (£5,640) 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 |
|---|---|---|---|---|---|---|
| BM Savings Five-year Fixed Rate Isa  | 4.25% |
| £500 | Yes | 54% |  |
| Halifax Five-year Fixed Rate Isa Saver  | 4.25% |
| £500 | Yes | 44% | |
| Julian Hodge Bank Five-year Fixed Rate Isa  | 4.00% |
| £5,100 | Yes | n/a | |
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.
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)
- 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 and Which? warning
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.
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 service score appears in our Best Rate tables, we'll highlight this with the warning logo. 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
