Cash ISA

Buckinghamshire Building Society Cash ISA Fixed Rate Review

A competitive two-year cash ISA from Buckinghamshire Building Society. It ranks 12th of 51 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 12th of 51

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
4.54%
Pays 0.33% more
Best 2-year cash ISA
5.08%
Pays 0.21% 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 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

Buckinghamshire Building Society's Cash ISA Fixed Rate pays 4.87%, which is above the Cash ISA market average but still 0.38% behind the category leader at 5.25%. It suits ISA savers who want a real return, as the rate sits 1.77% above CPI inflation of 3.1%. The main catch is the lock-in until 30 November 2028, with no part withdrawals permitted and an early exit penalty of 365 days' interest. You only need £100 to open it, and transfers in are accepted.

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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