Cash ISA

Bath Building Society Five Year Fixed Rate ISA Review

A five-year cash ISA from Bath Building Society. It ranks 23rd of 26 five-year cash ISAs we track.

Fixed rate · 5 years

4.15%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

5 Years

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 23rd of 26

5-year cash ISAs we track

Below average
This account 4.15%
UK CPI (Aug 2026)
3.10%
Pays 1.05% more
Average 5-year cash ISA
4.61%
Pays 0.46% less
Best 5-year cash ISA
5.12%
Pays 0.97% less

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

Compare cash ISAs

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 Bath Building Society's Cash ISA

What you could earn with Bath Building Society's Five Year Fixed Rate ISA.

Estimated interest

£1,000 saved

£225

At 4.15% AER

£5,000 saved

£1,127

At 4.15% AER

£10,000 saved

£2,255

At 4.15% AER

£20,000 saved

£4,509

At 4.15% AER

Estimated over the 60-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 Bath Building Society Five Year Fixed Rate ISA

Jan WatermannCo-Founder, DepositScout

Bath Building Society's Five Year Fixed Rate ISA pays 4.15%, which beats August 2026 CPI of 3.1% by 1.05%, so your money does grow in real terms over the term. That said, 4.15% is below the Cash ISA market average, sitting 0.97% behind the current market leader at 5.12%, so this is not a standout rate. The maximum deposit is £20,000, which is effectively one year's ISA allowance, and the real catch is that withdrawals cost you 365 days' loss of interest, making this suited to savers who are genuinely confident they will not need the money for five years.

Compare Cash ISAs

2 alternatives to Bath Building Society's Five Year Fixed Rate ISA

Same type of account, closest on rate.

Common questions about the Five Year Fixed Rate ISA

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