Explore our ISA Products

Fixed Rate Cash ISA^*

Enjoy a guaranteed fixed interest rate and grow your money tax-free with simple, rewarding savings designed around your goals.

*Fixed Rate Cash ISA for UK residents with a valid UK National Insurance Number (NINO) only

Valid from 12 July 2026 to 14 September 2026

Up to £500 Cashback on Fixed Rate Cash ISA.

Deposit or transfer new funds, and open a Fixed Rate Cash ISA to qualify. T&Cs apply.

*Cash ISA for UK residents with a valid UK National Insurance Number (NINO) only

1 Year

4.20%Tax Free/AER (Fixed)

2 Year

4.25%Tax Free/AER (Fixed)

Already have a Flexible Cash ISA?

We'll use your existing ISA details where we can, making it easier to apply and keep your ISA products together in one clear dashboard.

Why choose Fixed Rate Cash ISA?

Enjoy rewarding fixed returns, tax free savings, and an easy digital experience.
Designed to help your money grow with confidence.

Guaranteed Fixed Returns

Enjoy added peace of mind with a guaranteed rate designed to support your saving goals through changing market conditions.

Tax-free Interest

Keep more of what you earn with tax-free interest designed to help your money go further.

Stay Focused on Goals

Designed to help you grow your savings with confidence while keeping your money aligned to your goals.

Save with Confidence

Feel reassured knowing eligible deposits are protected up to £120,000 under the FSCS while your money continues to grow.

No Account Fees

Enjoy a straightforward savings experience with no account opening, maintenance or management charges.

Clear Maturity Visibility

Track your maturity date, balance and product term easily through your online dashboard and mobile app.

Step 1

Check you’re eligible

You'll need to be 18 or over, a UK resident and have a valid National Insurance Number.

Step 2

Choose your Term

Select either a 1 Year or 2 Years Fixed Rate Cash ISA, depending on your savings goals.

Step 3

Review the Key Details

Read the Summary Box, FSCS information and terms so you know how the product works before you apply.

Step 4

You're all set

Your application has been submitted successfully. View your account details and track your Fixed Rate Cash ISA anytime from your ISA dashboard.

Fixed Rate Cash ISA
Summary Box

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What is the account name?

Fixed Rate Cash ISA

What is the interest rate?

Term Length	Tax Free/AER fixed*
1 Year Fixed Rate Cash ISA	4.20%Tax Free/AER (fixed)
2 Year Fixed Rate Cash ISA	4.25%Tax Free/AER (fixed)

* AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded annually.

Once your account is opened, the fixed interest rate will apply for the full term of your Fixed Rate Cash ISA.

Interest is calculated daily and paid upon maturity of the product.

Can iFAST Global Bank change the interest rate?

No. Once your Fixed Rate Cash ISA has been opened, the interest rate is fixed for the selected term and not subject to any changes.

What would my estimated balance be at maturity based on a £1,000 deposit?

Term Length	Initial Deposit	Estimated Balance at Maturity
1 Year Fixed Rate Cash ISA	£1,000	£1,042.00
2 Year Fixed Rate Cash ISA	£1,000	£1,086.81

Important Notice: These figures are illustrative only and assume no additional deposits, withdrawals, or transfers after account opening, and the interest is paid at maturity.

This example does not take into account your personal circumstances.

How do I open and manage my account?

Eligibility

Must be aged 18 or over.
Must be a UK resident with a valid National Insurance number.
Must hold an iFAST Multi-Currency Current Account.

Opening your account

Open and manage your Fixed Rate Cash ISA through online banking or the mobile app.
You can fund your account from your Multi-Currency Current Account, Flexible Cash ISA or transfer-in from another ISA provider.
You can transfer all or part of your Cash ISA to iFAST from previous tax years, provided the funds are accessible. Please note that current year subscriptions must be transferred in full.
Minimum deposit is £1.

Managing your account

Multiple Fixed Rate Cash ISAs are permitted, subject to product availability and HMRC ISA rules.
Account details and maturity instructions can be viewed and managed through online banking and the mobile app.
The maximum contribution you can put into your Fixed Rate Cash ISAs per tax year is currently £20,000 and is set by the UK government. For more details, see HMRC ISA Guidelines [Individual Savings Accounts (ISAs): Overview - GOV.UK]

Maturity

At maturity, your funds and any accrued interest will be moved to your Flexible Cash ISA, which is automatically opened alongside your Fixed Rate Cash ISA when you open this account. We will notify you before the maturity of your Fixed Rate Cash ISA.

Can I withdraw money?

During the cancellation period

You have a 14-day cooling-off period from the date your account is opened. During this period, you may close your account through online banking or the mobile app without penalty, subject to ISA regulations.

After the cancellation period

If your circumstances change and you need access to your money before maturity, you can choose to move your funds into your Flexible Cash ISA for withdrawal, or transfer your ISA to another provider.

Please note that early access will require the closure of your Fixed Rate Cash ISA and must be for the full account balance. Early closure may result in the loss of interest earned, as set out in the Terms & Conditions.

Withdrawing money from your ISA may also affect the future tax-free benefits associated with those funds.

Transfer Out

If you'd like to transfer your ISA to another provider before maturity, we'll first require you to move your funds into your Flexible Cash ISA to enable the transfer. Simply provide your Flexible Cash ISA CI reference number, available in your ISA dashboard, to your new provider.

Please note that transferring before maturity will close your Fixed Rate Cash ISA and may result in the loss of some or all accrued interest, in accordance with the Terms & Conditions.

Additional Information

Tax treatment depends on your individual circumstances and may change in the future.
ISA subscription limits are set by HM Revenue & Customs (HMRC) and may change. For current limits and guidance, please refer to HMRC's ISA regulations: https://www.gov.uk/individual-savings-accounts

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