What interest rate does the Halifax ISA Saver Fixed 5 Year pay?

The Halifax ISA Saver Fixed 5 Year pays 4.10% AER.

How much interest could I earn?

Saving £10,000 for 5 years would earn about £2,225 at 4.10% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £500.

Can I withdraw my money?

No. Withdrawals aren't allowed until the account matures.

When is interest paid?

You can choose to have interest paid monthly or annually.

Who can open this account?

New and existing Halifax customers can open it. You can open it online, in branch, in the app or by phone.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

Can I transfer an existing ISA in?

Yes, transfers in from other ISAs are accepted.

How does it compare with other five-year cash ISAs?

At 4.10% AER it ranks 24th of 26 five-year cash ISAs we track. The best pays 5.12% and the average is 4.61%.

Dashboard

Cash ISA

Halifax ISA Saver Fixed 5 Year Review

A five-year cash ISA from Halifax. It ranks 24th of 26 five-year cash ISAs we track.

Rate checked Oct 2026Got this account? Leave a review

5 years

4.10%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

No limit

Access

At maturity only

Interest paid

Monthly/Annually

Transfers in

Accepted

Halifax is becoming Lloyds. Halifax is being retired on 31 October 2026.

Go to Lloyds

How It Stacks Up

Ranks 24th of 26

5-year cash ISAs we track

Well below average

This account 4.10%

UK CPI (Aug 2026): 3.10%; Pays 1.00% more
Average 5-year cash ISA: 4.61%; Pays 0.51% less
Best 5-year cash ISA: 5.12%; Pays 1.02% less

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

Compare cash ISAs

A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Your money is locked in for 5 years

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Estimated returns with Halifax's Cash ISA

What you could earn with Halifax's ISA Saver Fixed 5 Year.

Estimated interest

£1,000 saved

£223

At 4.1% AER

£5,000 saved

£1,113

At 4.1% AER

£10,000 saved

£2,225

At 4.1% AER

£50,000 saved

£11,126

At 4.1% AER

Estimated over the 60-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 Halifax ISA Saver Fixed 5 Year

Jonny PeaseCo-Founder, DepositScout

Halifax's 4.10% five-year fixed ISA sits 1.02% below the Cash ISA market leader at 5.12%, and the position data confirms it is below the market average, so I would not choose it on rate alone. The real catch is that your money is completely locked away for five years with no access until maturity. It does beat August 2026 CPI of 3.1% by 1.00%, which is something. Cynergy Bank's Online ISA at 4.15% offers a better rate without the five-year lock-in, worth considering first.

Compare Cash ISAs