ISA 5 Year Fixed | The Savings Guru

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ISA 5 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	ISA Information	ISA Access	SG Verdict
Apply Now	5.01%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually Paid On Maturity Paid Quarterly	- Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	- Withdrawals are permitted subject to the loss of 365 days interest - Additions are not allowed, only one initial deposit is permitted	United Bank UK was formed in 2001 from the merger of two Pakistani banks. It has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London.
Apply Now	5.00%	£5,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	- Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	Withdrawals prior to maturity are subject to a penalty fee - which is the amount of withdrawal x no.of days withdrawn early x interest rate divided by 365 No further additions can be made after the first 14 days of opening. Interest can be withdrawn annually on the maturity date.	London based specialist lender United Trust launched in 1955 and look after £1.6bn of savings Find out more about them here
Castle Trust Bank	4.60%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	- Transfers in accepted from: Cash ISAs - Split ISA Allowance not permitted - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	Withdrawals allowed subject to the loss of 360 days of interest Further additions allowed for up to 14 days after the account is opened	Castle Trust Bank was authorised in March 2020 and launched initially to existing customers only before offering fixed rate bonds in August 2021 and ISAs in September 2021
z Close Brothers	4.95%	£10,000 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Added to the account	- Transfers in accepted from: Cash ISAs and Stocks and Shares ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	Withdrawals are not permitted but early closure is allowed subject to the loss of 365 days interest.	Close Bank have been trading since 1878, are a FTSE 250 listed company and look after over £6.4bn of savings You can find out more about them here
Gatehouse Bank	4.70%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is not flexible and you will not be able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	Withdrawals are permitted but will result in a loss of 365 days profit Initial deposit must be received within 14 days to guarantee the rate and the account will be closed if no deposits are received within 45 days of opening.	Gatehouse launched ISAs in April 2020. They are a Sharia bank so this account pays expected profit, rather than interest, to meet Sharia law requirements. The Bank looks after £318m of savings.
Halifax	4.50%	£1 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	Transfers in are accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs	Additions can be made for the first 60 days. Early withdrawals are permitted with the loss of 365 days' interest	Halifax is part of Lloyds Banking Group, the largest savings provider in the UK
Hinckley & Rugby Building Society	4.90%	£500 / £300,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually Annual interest paid 1st December	- Transfers in accepted from: Cash ISAs only - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	- Withdrawals and transfers are permitted but with the loss of 365 days interest	Hinckley & Rugby is the 19th largest building society in the UK and looks after £693m of savings
Hodge Bank	4.90%	£1,000 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Annually Interest paid annually is compounded. Interest paid monthly paid away.	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. Additional permitted ISA subscriptions are not accepted	Withdrawals allowed subject to the loss of 270 days of interest Once you have funded the account, no further additions are allowed	Hodge bank is based in South Wales and was authorised in 1987 and looks after just under £1bn of deposits.
Metro Bank	4.81%	£1 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs and Help to Buy ISAs - This ISA is not flexible - Additional permitted ISA subscriptions are not accepted	Partial withdrawals are not permitted but early closure is subject to loss of 180 days interest Additions and transfers in are only allowed within 30 days of account opening	Metro has 77 branches across the UK and has been in operation since 2009. It looks after £14.5bn of savings
Paragon Bank	5.00%	£500 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - Split ISA allowance - This ISA is flexible - Additional permitted ISA subscriptions are not accepted	Withdrawals are permitted subject to 365 days loss of interest Additions are only allowed within 28 days of account opening	Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings. You can find out more about them in our banking directory here
Sainsburys Bank	4.50%	£5,000 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	Withdrawals not permitted but early closure is allowed subject to the loss of 270 days of interest Further additions are only allowed within 30 days of opening the account	Sainsburys was the first supermarket bank to open in the UK in 1997 and looks after £6.6bn of savings
Secure Trust Bank	5.01%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 31st December	- Transfers in accepted from: Cash ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	Withdrawals not permitted but early closeure allowed subject to the loss of 270 days of interest Further additions allowed for 30 days after account opening	Birmingham based Secure Trust Bank look after over £2bn of deposits. Their products tend not to be able for long so move quickly if this rate appeals. Find out more about them here
Apply Now	4.45%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	- Transfers in accepted from: Cash ISAs, Stocks & Shares ISAs - This ISA is not flexible and you are not able to re-deposit withdrawn funds if the re-deposit amount takes you above the maximum annual subscription limit in the tax year. - Additional permitted ISA subscriptions are not accepted	Withdrawals allowed subject to the loss of 360 days of interest Further additions allowed while product remains open	Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings Find out more about them here
b Zopa	5.26%	£1 / £100,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Added to the account	- Transfers in are not permitted - This ISA is flexible	Withdrawals allowed subject to the loss of 365 days of interest Further additions allowed for up to 30 days after the account is opened	Zopa started life as a peer to peer lending business in 2005 but became a licensed bank in 2019 and launched their first savings accounts in August 2020. They launched their first ISA accounts in June 2023. You can find out more about them here

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