Deposit Plan Offer
Looking for a Capital Protected alternative to Cash?
Potential 28.75% after 4 years
- Potential 28.75% if the FTSE 100 rises by any amount after 3 years
- Equivalent to 7.19% per year
- 4 year term
- Available as cash ISA, non ISA or ISA transfer
- Capital Protected – receive your initial capital back at the end of the term no matter how the FTSE 100 performs
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MB UK 4Y 100 Growth Deposit Plan
at end of term
MB UK 6Y Annual Step Down to 80 Kick Out Deposit Plan Y3
per annum
Goldman Sachs FTSE 100 Deposit Kick Out Plan
MB UK 4Y Annual Fixed Interest Deposit Plan
fixed income per year
MB UK 4Y Monthly Fixed Interest Deposit Plan
fixed income per year, paid monthly
MB UK 4Y 90 Growth Deposit Plan
at end of term
IDAD Goldman Sachs Callable Growth Deposit Plan
or 3 x Index growth (capped at a maximum return of 48%)
5 Year Fixed Rate Cash ISAs
If you’re looking for 5 year fixed rates, then you’ll get some of the best returns available on your cash ISA savings – generally, the longer you lock your money away for the higher the rate you can get. To make the most of your ISA allowance, compare deals using the tables on this page.
What is a 5 Year Fixed Rate ISA ?
With a 5 year fixed rate ISA savers know exactly how much they stand to earn from interest accumulation, in return for locking their cash into the account for a 60 month period.
How 5 year fixed rate ISAs work?
Like most fixed rate ISAs with a 5 year option you are required to lock your money into the account for that time frame. Over the 5 year period of the account the interest rate paid upon it will be fixed, so it is possible to tell exactly how much you will earn.
Locking your savings into a fixed rate is also a way savers can try to protect themselves from interest rates falling in the future, however if interest rates rise there is the risk that their interest rate will become uncompetitive.
How interest is calculated upon fixed rate accounts can vary by provider, some will do pay interest monthly while others may do so quarterly or annually.
Some fixed rate ISA permit early full or partial withdrawals, however these are normally subject to a penalty based upon a set amount of days worth of interest accumulation. This means that savers could actually get back less than they originally deposited in the account.
Fixed rate accounts commonly have a minimum amount that must be deposited in order to open, or transfer into, the account.
Other ISAs
Fixed Rate ISAs are also available for other time spans such as; 1, 2 and 3 year products. As a general rule the longer the account requires money to be locked into the ISA for the better the rate of interest offered.
Other types of Cash ISA include Instant access plans. These types of ISA usually allow the account holder to make unlimited free withdrawals from the account, without having to pay an interest penalty. They usually however offer a variable interest rate rather than a fixed one.
Before you take out a Cash ISA
ISA rules only permit each eligible person to open up to one Cash ISA in each tax year (although it may be possible to transfer an ISA). This means it’s a good idea to shop around to try and find a product that fits with how you want to save. You can use the tables on this website to view a selection of different types of ISA from various providers and follow the links to find out more or apply.