Cash ISA

Bath Building Society One Year Fixed Rate ISA Review

A one-year cash ISA from Bath Building Society. It ranks 33rd of 47 one-year cash ISAs we track.

Fixed rate · 1 year

4.15%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

1 Year

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 33rd of 47

1-year cash ISAs we track

Below average
This account 4.15%
UK CPI (Aug 2026)
3.10%
Pays 1.05% more
Average 1-year cash ISA
4.37%
Pays 0.22% less
Best 1-year cash ISA
4.92%
Pays 0.77% 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 One Year Fixed Rate ISA.

Estimated interest

£1,000 saved

£41.50

At 4.15% AER

£5,000 saved

£208

At 4.15% AER

£10,000 saved

£415

At 4.15% AER

£20,000 saved

£830

At 4.15% 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 Bath Building Society One Year Fixed Rate ISA

Jan WatermannCo-Founder, DepositScout

Bath Building Society's One Year Fixed Rate ISA pays 4.15%, which is 0.97% behind the current Cash ISA market leader at 5.12%, putting it below the market average for this category. That said, 4.15% does beat August 2026 CPI of 3.1% by 1.05%, so your money is at least growing in real terms. The cap of £20,000 aligns with the annual ISA allowance, and transfers in are accepted, which suits savers consolidating existing ISAs. The main catch is that early withdrawals are possible only in branch and cost you 90 days of interest.

Compare Cash ISAs

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

Same type of account, closest on rate.

Common questions about the One Year Fixed Rate ISA

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