Cash ISACompare 1 Year Fixed Rate Cash ISAs

Bank of Ireland UK Online ISA Fixed Rate 1 Year Review

A competitive one-year cash ISA from Bank of Ireland UK. It ranks 25th of 60 one-year cash ISAs we track.

Fixed rate · 1 year

4.55%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£20,000

Access

1 Year

Interest paid

Anniversary

Transfers in

Accepted

How It Stacks Up

Ranks 25th of 60

1-year cash ISAs we track

Above average
This account 4.55%
UK CPI (Aug 2026)
3.10%
Pays 1.45% more
Average 1-year cash ISA
4.43%
Pays 0.12% more
Best 1-year cash ISA
4.97%
Pays 0.42% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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Pros and cons

  • Pro: New and existing savers
  • Con: Not flexible: money you withdraw can't be replaced without using more allowance

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Estimated returns with Bank of Ireland UK's Cash ISA

What you could earn with Bank of Ireland UK's Online ISA Fixed Rate 1 Year.

Estimated interest

£1,000 saved

£45.50

At 4.55% AER

£5,000 saved

£228

At 4.55% AER

£10,000 saved

£455

At 4.55% AER

£20,000 saved

£910

At 4.55% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Bank of Ireland UK Online ISA Fixed Rate 1 Year

Jan WatermannCo-Founder, DepositScout

Bank of Ireland UK's one-year fixed cash ISA pays 4.55%, which sits near the market average for cash ISAs but is 0.70% behind the category leader at 5.25%, so it is not a standout rate. That said, 4.55% does beat August 2026 CPI inflation of 3.1% by 1.45%, meaning your money grows in real terms. The account accepts transfers in and opens from £500, though the ISA allowance cap of £20,000 applies and you cannot make any withdrawals during the one-year term. If the rate matters most, Tembo and Leek Building Society both offer the same 4.55% and are worth comparing before you commit.

Compare Cash ISAs

2 alternatives to Bank of Ireland UK's Online ISA Fixed Rate 1 Year

Same type of account, closest on rate.

Common questions about the Online ISA Fixed Rate 1 Year

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