Best 4 year fixed rate ISAs
2 Cash ISAs fixed for 4 years, ranked by rate alone. The rate stays the same for the whole term, whatever happens to Bank Rate. Each one is checked on the provider's own site, and the highest on 30 October 2026 paid 4.70% AER.
4 year fixes at a glance
- Highest rate
- 4.70% AER
- Zopa
- £10,000 at that rate earns
- £2,017
- Over 4 years, tax-free
- Accounts compared
- 2
- Checked on 30 October 2026
- Highest easy access rate
- 4.86% AER
- Variable, so it can change
Best 4 year fixed rate ISAs
Checked 30 October 2026. Ranked by rate. Links marked "Ad" can earn us commission, which never changes the order. How we make money
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1. Zopa
Smart ISA (4 Year Fixed Term pot)
4.70%
AER fixed
- Access
- 4 years fixed
- Minimum
- None
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early access before the term ends closes the fixed term pot and costs 320 days of interest.
- How to open
- App
- Your money is held by
- Zopa Bank Limited
- Good to know
- Open in the Zopa app via a Smart Saver account. Add money in the first 30 days; transfers in start at £500. Interest paid monthly. Moves to an Access ISA pot at the end.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Zopa
- All Zopa Cash ISAs compared
- Legal name
- Zopa Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 800542)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
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2. United Trust Bank
Cash ISA 4 Year Bond
4.50%
AER fixed
- Access
- 4 years fixed
- Minimum
- £5,000
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- Early withdrawal or transfer out is allowed but charged: 90 days' interest with under a year left, rising to 365 days' with 4 or more years left.
- How to open
- Online
- Your money is held by
- United Trust Bank Limited
- Good to know
- Online only, for UK-resident adults. Needs a nominated UK bank account in your own name; fund within 14 days of applying.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- Legal name
- United Trust Bank Limited
- Country of incorporation
- England and Wales
- Principal place of business
- London, UK (One Ropemaker Street, London EC2Y 9AW)
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 204463). Registered in England and Wales 549690 (FRN 204463)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence
- Complaints
- Financial Ombudsman Service
Calculate your returns
For the fixed term.
Interest earned
Balance at the end
Open the full calculator
Fixed rate ISAs for 37 months
Checked 30 October 2026. Ranked by rate. Links marked "Ad" can earn us commission, which never changes the order. How we make money
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1. Yorkshire Building Society
Fixed Rate Cash eISA until 30 November 2029
4.85%
AER fixed
- Access
- Fixed to Nov 2029
- Minimum
- £100
- Transfers in
- Yes
- Flexible
- No
Details and provider information
- Withdrawals
- No withdrawals before the end date, and closing early costs 270 days' interest apart from exceptions such as critical illness, death or redundancy.
- How to open
- Online or app
- Your money is held by
- Yorkshire Building Society
- Good to know
- Fixed until 30 November 2029. Limited offer that can come off sale without notice. After it closes to new customers you have at least 30 days to add money.
- Rate checked
- On the provider's own site on 30 October 2026. Source
- More from Yorkshire Building Society
- All Yorkshire Building Society Cash ISAs compared
- Legal name
- Yorkshire Building Society
- Country of incorporation
- United Kingdom
- Principal place of business
- Bradford, UK
- Regulatory status
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 106085)
- Deposit protection
- FSCS, up to £120,000 per person per banking licence, shared with Chelsea Building Society and Norwich & Peterborough Building Society
- Complaints
- Financial Ombudsman Service
Calculate your returns
For the fixed term.
Interest earned
Balance at the end
Open the full calculator
How a 4 year fixed rate ISA works
You pay in a lump sum, or a few payments within a short window after opening, and the provider fixes the rate for 4 years. The rate does not move if Bank Rate changes during the term. Interest is tax-free, like any Cash ISA, and the AER shows what a year's interest is worth if it stays in the account.
A 4 year fix or another term?
Here is what £10,000 would earn at the highest rate in our tables for each common term, if you leave the money and its interest in for the whole term. A longer fix earns more in total, but ties the money up for longer.
| Fixed for | Highest rate | £10,000 earns |
|---|---|---|
| 1 year | 5.00% | £500 |
| 18 months | 4.70% | £713 |
| 2 years | 5.10% | £1,046 |
| 3 years | 5.15% | £1,626 |
| 4 years | 4.70% | £2,017 |
| 5 years | 5.25% | £2,915 |
For comparison, the highest easy access rate in our tables was 4.86% AER on 30 October 2026. That rate is variable, so it can fall or rise during a year; a fixed rate cannot. See the easy access Cash ISAs.
What if you need the money early?
Most fixes let you leave early for a charge, usually a number of days' interest on the amount you take out or on the whole balance. Some only let you close the whole account. Of the 2 fixes for 4 years in our table, one states a single charge in days of interest: 320 days. If you have not yet earned enough interest to cover the charge, some providers take the rest from your savings. Open the details on any account above to see its rule. To see what a charge would cost on your own savings, use our fixed rate ISA penalty calculator.
Does the Cash ISA limit affect a fix past 6 April 2027?
A 4 year fix opened in November 2026 runs to about November 2030. The Cash ISA limit for new money stays £20,000 a year: the cut to £12,000 planned from 6 April 2027 was cancelled in the Budget on 28 October 2026. See the Cash ISA limit guide and why the April 2027 deadline matters less.
When the term ends
Providers usually write before the fix ends. If you do nothing, many move the money into an easy access or maturity account at a lower variable rate. You can choose a new fix with the same provider, or move the money to another provider's Cash ISA by transfer, which keeps it tax-free. See how ISA transfers work.
Questions people ask
What is the best 4 year fixed rate ISA?
Ranked by rate alone, the highest 4 year fixed rate Cash ISA in our tables on 30 October 2026 paid 4.70% AER, from Zopa. Rates change often, so check the table on this page, and check the account's conditions before you apply.
How much does £10,000 earn in a 4 year fixed rate ISA?
At 4.70% AER, £10,000 left in for the full 4 years earns about £2,017 in tax-free interest, assuming the interest stays in the account. Try your own amount in the Cash ISA interest calculator.
Can I take money out of a 4 year fixed rate ISA early?
Usually, but at a cost, and some accounts only let you close the whole account. Of the 2 fixes for 4 years in our table, one states a single charge in days of interest: 320 days. Each account's rule is in its details on this page.
Can I add money to a 4 year fixed rate ISA later?
Usually only during a short window after you open it. Many fixes accept payments for a set number of days, after which no more money can go in. The details for each account on this page show its window.
Is my money protected in a 4 year fixed rate ISA?
Deposits with an authorised UK bank, building society or credit union are protected by the Financial Services Compensation Scheme up to £120,000 per person, per banking licence. A few brands share one licence, which the details for each account show.