Protection
FSCS£120,000
Min balance
£1
Max balance
£20,000
Access
31.12.2029
Interest paid
Monthly/Annually
Transfers in
Accepted
How It Stacks Up
Ranks 24th of 28
3-year cash ISAs we track
This account 4.20%
- UK CPI (Aug 2026)
- 3.10%
- Pays 1.10% more
- Average 3-year cash ISA
- 4.62%
- Pays 0.42% less
- Best 3-year cash ISA
- 5.11%
- Pays 0.91% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
How Interest Is Paid
You choose how often interest is paid: annually or monthly. You earn the same 4.20% AER either way.
Paid annually
4.20%AER
Paid monthly
4.12%gross
The monthly rate is a little lower because interest reaches you sooner. Over a year it adds up to the same.
A Good Fit For
- Pro: New and existing savers
- Pro: Savers who want a monthly income
Worth Weighing Up
- Con: Not flexible: money you withdraw can't be replaced without using more allowance
Good to Know
No partial withdrawals permitted after the 14-day cancellation period; early closure or ISA transfer before maturity incurs a charge equivalent to 270 days' interest.
Please verify all details with the provider – see our Disclaimer
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