Cash ISA

Buckinghamshire Building Society Cash ISA Fixed Rate Review

A competitive two-year cash ISA from Buckinghamshire Building Society. It ranks 10th of 44 two-year cash ISAs we track.

Fixed rate · 25 months

4.87%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£100

Max balance

No limit

Access

30.11.2028

Interest paid

Annually/On maturity

Transfers in

Accepted

How It Stacks Up

Ranks 10th of 44

2-year cash ISAs we track

Above average
This account 4.87%
UK CPI (Aug 2026)
3.10%
Pays 1.77% more
Average 2-year cash ISA
4.50%
Pays 0.37% more
Best 2-year cash ISA
5.05%
Pays 0.18% less

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

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Worth Weighing Up

  • Con: Not flexible: money you withdraw can't be replaced without using more allowance

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Estimated returns with Buckinghamshire Building Society's Cash ISA

What you could earn with Buckinghamshire Building Society's Cash ISA Fixed Rate.

Estimated interest

£1,000 saved

£104

At 4.87% AER

£5,000 saved

£521

At 4.87% AER

£10,000 saved

£1,041

At 4.87% AER

£50,000 saved

£5,207

At 4.87% AER

Estimated over the 25-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 Buckinghamshire Building Society Cash ISA Fixed Rate

Jonny PeaseCo-Founder, DepositScout

At 4.87%, this fixed Cash ISA from Buckinghamshire Building Society sits above the market average for Cash ISAs, though it is 0.25% behind the category leader at 5.12%, so it is not the sharpest rate available. That said, it beats August 2026 CPI inflation of 3.1% by 1.77 percentage points, which is a meaningful real return. It accepts ISA transfers in and only needs £100 to open, making it accessible for most savers. The main catch is that part withdrawals are not permitted and early closure carries a 365-day interest penalty, so your money is effectively locked until 30 November 2028.

Compare Cash ISAs

2 alternatives to Buckinghamshire Building Society's Cash ISA Fixed Rate

Same type of account, closest on rate.

Common questions about the Cash ISA Fixed Rate

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