Cash ISACompare 2 Year Fixed Rate Cash ISAs

Bank of Ireland UK Online ISA Fixed Rate 2 Year Review

A two-year cash ISA from Bank of Ireland UK. It ranks 32nd of 53 two-year cash ISAs we track.

Fixed rate · 2 years

4.50%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£20,000

Access

2 Years

Interest paid

Anniversary

Transfers in

Accepted

How It Stacks Up

Ranks 32nd of 53

2-year cash ISAs we track

Just below average
This account 4.50%
UK CPI (Aug 2026)
3.10%
Pays 1.40% more
Average 2-year cash ISA
4.56%
Pays 0.06% less
Best 2-year cash ISA
5.08%
Pays 0.58% 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 2 Year.

Estimated interest

£1,000 saved

£92.02

At 4.5% AER

£5,000 saved

£460

At 4.5% AER

£10,000 saved

£920

At 4.5% AER

£20,000 saved

£1,840

At 4.5% AER

Estimated over the 24-month term, 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 2 Year

Jan WatermannCo-Founder, DepositScout

Bank of Ireland UK's two-year fixed Cash ISA pays 4.50%, which sits near the market average and 0.75% behind the Cash ISA leader at 5.25%. It does beat August 2026 CPI of 3.1% by 1.40%, so your money grows in real terms. The cap of £20,000 matches the ISA allowance, and transfers in are accepted, which is useful if you want to consolidate. The firm catch is that no withdrawals are permitted during the two-year term, so only commit money you genuinely will not need.

Compare Cash ISAs

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

Same type of account, closest on rate.

Common questions about the Online ISA Fixed Rate 2 Year

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