1-Year Fixed Cash ISAs
Compare leading 1-Year Fixed Cash ISA rates and understand how fixed-term savings work. Explore guaranteed interest rates, early-access penalties and what happens when your account matures.
Current 1-Year Fixed Cash ISA rates
ZopaHistorical rate trends
Daily snapshots of the average AER for five tracked products. Historical figures, not rates available today.
9 complete daily observations · Historical tracked top-five average AER · Rates powered by DepositScout. These historical averages are not today’s available rates.
Compare the top five 1-Year Fixed Cash ISAs
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Rates powered by DepositScout. Last checked: 30 Oct 2026, 14:53 UTC. Rates can change; this is not financial advice. Check eligibility, promotional conditions and product terms before applying.
Why choose an 1-Year Fixed Cash ISA?
Fixed interest rate
Your interest rate is fixed for the agreed term, protecting you from reductions during that period.
Tax-free interest
Interest earned within your ISA is free from UK income tax.
Predictable returns
Know the interest rate you'll receive over the 12-month term, subject to the account conditions.
Maturity options
At the end of the term, you can review your options, including transferring to another ISA.
Things to consider before applying
A 1-Year Fixed Cash ISA can provide certainty over your interest rate, but your money may be tied up for 12 months. Check early-access penalties, minimum deposits, funding deadlines and whether transfers from existing ISAs are accepted. Consider what happens at maturity and whether you might need your savings before the term ends.
1-Year Fixed Cash ISA — Frequently asked questions
Can I withdraw money before the end of the fixed term?
Usually, a fixed-rate Cash ISA restricts access to your money during the agreed term. Where early withdrawals or closure are permitted, you may incur an interest penalty.
Check the provider's terms before opening an account, particularly if you might need access to your savings within the next 12 months.
Can the interest rate change during the 12 months?
No. With a fixed-rate Cash ISA, the interest rate is normally guaranteed for the agreed term.
This provides certainty about the rate you'll receive, although you won't benefit if market interest rates rise during that period.
Can I transfer an existing Cash ISA into a 1-Year Fixed ISA?
Many providers accept transfers from existing Cash ISAs, although some have restrictions or limited funding windows.
Always use the new provider's official ISA transfer process rather than withdrawing the money yourself, to preserve its tax-free status.
What happens when my 1-Year Fixed Cash ISA matures?
Your provider should explain your maturity options before the fixed term ends.
Depending on the account, you may be able to transfer to another ISA, choose a new fixed term or move into an easy access product. If you don't provide instructions, your savings may move into an account paying a different rate.
Is a 1-Year Fixed Cash ISA better than an Easy Access Cash ISA?
Neither is automatically better.
A 1-Year Fixed Cash ISA provides certainty over the interest rate but usually restricts access. An Easy Access Cash ISA offers greater withdrawal flexibility, although its variable interest rate can change.
The right choice depends on when you'll need your savings and whether you value flexibility or rate certainty.
What happens if interest rates rise after I open my fixed ISA?
Your agreed fixed rate will normally remain unchanged until maturity, even if other providers begin offering higher rates.
This is the trade-off for protection against falling rates. Before committing, consider whether you're comfortable locking in the current rate for the full term.