Personal accounts
Business accounts
Charity accounts
Fixed Rate Cash ISAs
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| 1 Year Fixed Rate Cash ISA Exclusive Issue 15 | 1 Year Fixed Rate Cash ISA (22.Oct.25) | Cash ISA 1 Year Bond (Online Only) | 1 Year Fixed Rate ISA | 1 Year Fixed Rate Cash ISA |
| Click here to find out what the * means | ||||
Term |
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1 year |
1 year |
1 year |
1 year |
1 year |
AER What's This? |
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4.75% |
4.64% |
4.65% |
4.62% |
4.62% |
Gross Interest Rate What's This? |
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4.75% |
4.64% |
4.65% |
4.62% |
4.62% |
Minimum opening balance |
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£1 |
£1,000 |
£5,000 |
£500 |
£10,000 |
How to manage the account |
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Branch, Mobile Banking, Online, Post, Telephone |
Mobile Banking, Online, Telephone |
Online, Post, Telephone |
Branch, Telephone |
Online, Telephone |
How to apply |
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Branch, Online |
Online |
Online |
Branch, Mobile, Online |
Online |
Accepts cash ISA transfers in? |
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Yes |
Yes |
Yes |
Yes |
Yes |
Accepts stocks & shares ISA transfers in? |
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Yes |
No |
No |
Yes |
No |
Account summary |
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You need to have a current account with Virgin Money which was opened on or after 4 December 2019, or you originally opened your current account with Clydesdale Bank, Yorkshire Bank or B. The maturity date is 29/08/25. Full and partial withdrawals are permitted during the term, but you will be charged 60 days' interest on the amount taken out. Interest is paid on maturity. |
You may withdraw the whole balance by closing the account. If you decide to close the account before it matures, Secure Trust make an 'early access charge' of 90 days' interest. The maturity date is 22.10.25. Transfers in are accepted. This is not a flexible ISA. Interest is paid annually on the 31st December. |
Withdrawals are allowed, subject to a withdrawal charge equivalent to 90 days' interest. Interest can be withdrawn annually without penalty. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually. |
Access on closure only, subject to 120 days' loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. The maturity date is 01/10/2025. On maturity, the account is transferred to the ISA Saver. Interest is paid on maturity. |
Access on closure, subject to a 90 day interest penalty. Transfers in are accepted. Interest is paid on maturity. |
Financial Services Compensation Scheme What's This? |
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Shared Licence |
Own Licence |
Own Licence |
Shared Licence |
Own Licence |
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| Cash ISA 2 Year Bond | Two Year Fixed Rate Cash ISA issue 39 | 2 Year Fixed Rate Cash ISA (Online Only) | 2 Year Fixed Rate Cash ISA | 2 year Fixed Term Smart ISA |
| Click here to find out what the * means | ||||
Term |
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2 years |
2 years |
2 years |
2 years |
2 years |
AER What's This? |
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4.45% |
4.45% |
4.42% |
4.41% |
4.40% |
Gross Interest Rate What's This? |
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4.45% |
4.45% |
4.42% |
4.41% |
4.31% |
Minimum opening balance |
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£5,000 |
£5,000 |
£1,000 |
£2,000 |
£1 |
How to manage the account |
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Online, Post, Telephone |
Branch, Post |
Online, Telephone |
Branch, Mobile Banking, Online, Post |
Mobile Banking |
How to apply |
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Online |
Branch, Post |
Online |
Branch, Mobile, Online, Post |
Mobile |
Accepts cash ISA transfers in? |
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Yes |
Yes |
No |
Yes |
Yes |
Accepts stocks & shares ISA transfers in? |
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No |
No |
No |
No |
No |
Account summary |
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Withdrawals are allowed, subject to a withdrawal charge equivalent to 180 days' interest. Interest can be withdrawn annually without penalty. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually. |
Access on closure only, subject to 180 days' loss of interest. Maturity date is 30/09/2026 Transfers in accepted. This is not a flexible ISA. Interest is paid annually. |
Withdrawals are allowed, subject to 180 days' loss of interest. Transfers in are allowed. This is not a flexible ISA. Interest is paid annually or monthly. |
Access on closure or full transfer out only, subject to 180 days' loss of interest. Transfers in are allowed. Interest is paid on maturity, annually, or monthly. Interest must be paid to a nominated account, it cannot be added to the account unless it is paid on maturity. |
Access on closure, subject to a 180 days interest penalty. Interest is paid into the account on a monthly basis. Transfers in allowed. This is a flexible ISA. |
Financial Services Compensation Scheme What's This? |
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Own Licence |
Own Licence |
Own Licence |
Own Licence |
Own Licence |
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2 |
3 |
4 |
5 |
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| 3 year Fixed Rate Cash ISA | Three Year Fixed ISA Issue 5 | 3 Year Fixed Rate Cash ISA (Online Only) | 3 Year Fixed Rate Cash ISA | Cash ISA 3 Year Bond |
| Click here to find out what the * means | ||||
Term |
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3 years |
3 years |
3 years |
3 years |
3 years |
AER What's This? |
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4.35% |
4.31% |
4.31% |
4.31% |
4.25% |
Gross Interest Rate What's This? |
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4.35% |
4.31% |
4.31% |
4.31% |
4.25% |
Minimum opening balance |
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£500 |
£500 |
£1,000 |
£2,000 |
£5,000 |
How to manage the account |
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Online, Post, Telephone |
Online |
Online, Post, Telephone |
Branch, Mobile Banking, Online, Post, Telephone |
Online, Post, Telephone |
How to apply |
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Online |
Online |
Online, Post |
Branch, Mobile, Online, Post |
Online |
Accepts cash ISA transfers in? |
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Yes |
Yes |
No |
Yes |
Yes |
Accepts stocks & shares ISA transfers in? |
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Yes |
Yes |
No |
No |
No |
Account summary |
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Access on closure only, subject to 180 days' loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually. |
No access to the account during the fixed rate period. The maturity date is the 14/10/2027. Transfers out allowed subject to 270 days interest charge. Transfers in are allowed in full only. Interest is calculated daily and paid annually. |
Withdrawals are allowed, subject to 270 days' loss of interest. Transfers in are allowed. This is not a flexible ISA. Interest is paid annually or monthly. |
Access on closure or full transfer out only, subject to 270 days' loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid on maturity, annually, quarterly or monthly. Interest must be paid to a nominated account, it cannot be added to the account unless it is paid on maturity. |
Withdrawals are allowed, subject to a withdrawal charge equivalent to 270 days' interest. Interest can be withdrawn annually without penalty. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually. |
Financial Services Compensation Scheme What's This? |
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Own Licence |
Shared Licence |
Own Licence |
Own Licence |
Own Licence |
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1 |
2 |
3 |
4 |
5 |
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| 5 Year Fixed Rate Cash ISA | Cash ISA 5 Year Bond | Five Year Fixed ISA Issue 6 | 5 Year Fixed Rate Cash ISA Issue 7 | 5 Year Fixed Rate Cash ISA (Online Only) |
| Click here to find out what the * means | ||||
Term |
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5 years |
5 years |
5 years |
5 years |
5 years |
AER What's This? |
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4.10% |
4.10% |
4.06% |
4.05% |
4.05% |
Gross Interest Rate What's This? |
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4.10% |
4.10% |
4.06% |
4.05% |
4.05% |
Minimum opening balance |
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£2,000 |
£5,000 |
£500 |
£500 |
£1,000 |
How to manage the account |
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Branch, Mobile Banking, Online, Post, Telephone |
Online, Post, Telephone |
Online |
Branch, Post |
Online, Post, Telephone |
How to apply |
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Branch, Mobile, Online, Post |
Online |
Online |
Branch, Post |
Online, Post |
Accepts cash ISA transfers in? |
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Yes |
Yes |
Yes |
No |
No |
Accepts stocks & shares ISA transfers in? |
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No |
No |
Yes |
No |
No |
Account summary |
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Access on closure or full transfer out only, subject to 365 days' loss of interest. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid on maturity, annually, quarterly or monthly. Interest must be paid to a nominated account, it cannot be added to the account unless it is paid on maturity. |
Withdrawals are allowed, subject to a withdrawal charge equivalent to 365 days' interest. Interest can be withdrawn annually without penalty. Transfers in are allowed. This is not a flexible ISA. This is not a portfolio ISA. Interest is paid annually. |
No access to the account during the fixed rate period. The maturity date is the 14/10/2029. Transfers out allowed subject to 365 days interest charge. transfers in are allowed in full only. Interest is calculated daily and paid annually. |
At maturity of the fixed rate term, the account will automatically become a 7 Day Notice Cash ISA and the interest rate will be variable. During the fixed rate term you may withdraw all or part of your investment (this includes an ISA transfer to |
Withdrawals are allowed, subject to 365 days' loss of interest. Transfers in are allowed. This is not a flexible ISA. Interest is paid annually or monthly. |
Financial Services Compensation Scheme What's This? |
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Own Licence |
Own Licence |
Shared Licence |
Own Licence |
Own Licence |
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