Cash ISA

Bath Building Society Two Year Fixed Rate ISA Review

A two-year cash ISA from Bath Building Society. It ranks 33rd of 44 two-year cash ISAs we track.

Fixed rate · 2 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

2 Years

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 33rd of 44

2-year cash ISAs we track

Below average
This account 4.15%
UK CPI (Aug 2026)
3.10%
Pays 1.05% more
Average 2-year cash ISA
4.50%
Pays 0.35% less
Best 2-year cash ISA
5.05%
Pays 0.90% 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 Two Year Fixed Rate ISA.

Estimated interest

£1,000 saved

£84.72

At 4.15% AER

£5,000 saved

£424

At 4.15% AER

£10,000 saved

£847

At 4.15% AER

£20,000 saved

£1,694

At 4.15% 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 Bath Building Society Two Year Fixed Rate ISA

Jonny PeaseCo-Founder, DepositScout

Bath Building Society's Two Year Fixed Rate ISA pays 4.15%, which is 0.97% below the current Cash ISA market leader at 5.12%, putting it below the market average for this category. It does beat inflation by 1.05% against a CPI of 3.1%, so your money grows in real terms, but the rate alone is a hard sell when Kent Reliance's Easy Access Cash ISA pays 4.24% with no fixed term. The account suits ISA consolidators since it accepts transfers in, though the real catch is that withdrawals cost you 180 days' interest, and the maximum balance is £20,000.

Compare Cash ISAs

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

Same type of account, closest on rate.

Common questions about the Two Year Fixed Rate ISA

D

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4.20% AER
4.75%
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