Cash ISA

The Co-operative Bank 1 Year Fixed Rate Cash ISA Review

A one-year cash ISA from The Co-operative Bank, with a £5,000 minimum deposit. It ranks 37th of 47 one-year cash ISAs we track.

1 year

4.00%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

No limit

Access

At maturity only

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 37th of 47

1-year cash ISAs we track

Below average
This account 4.00%
UK CPI (Aug 2026)
3.10%
Pays 0.90% more
Average 1-year cash ISA
4.37%
Pays 0.37% less
Best 1-year cash ISA
4.92%
Pays 0.92% less

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

Compare cash ISAs

A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: Your money is locked in for 1 year
  • Con: You need at least £5,000 to open it

Good to Know

Open to UK residents aged 18 or over as a sole account only; minimum deposit is £5,000 (or £1 for prior-year ISA transfers). Can be opened online, in branch, or by post; existing customers can also apply via the mobile app or online banking.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with The Co-operative Bank's Cash ISA

What you could earn with The Co-operative Bank's 1 Year Fixed Rate Cash ISA.

Estimated interest

£5,000 saved

£200

At 4% AER

£10,000 saved

£400

At 4% AER

£50,000 saved

£2,000

At 4% 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 The Co-operative Bank 1 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

The Co-operative Bank's 1 Year Fixed Rate Cash ISA pays 4.00%, which is below the market average for cash ISAs and 1.12% behind the category leader at 5.12%, so it is hard to recommend on rate alone. It does accept ISA transfers in and requires a £5,000 minimum, making it suited to existing ISA holders with a decent pot who want a familiar high-street name. The real catch is that early withdrawal costs 90 days' interest, and any shortfall is clawed back from your original deposit.

Compare Cash ISAs

2 alternatives to The Co-operative Bank's 1 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 1 Year Fixed Rate Cash ISA

D

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