Cash ISA

Hargreaves Lansdown Cash ISA – Fixed Rate 5 Year Review

A five-year cash ISA from Hargreaves Lansdown, with a £1,000 minimum deposit. It ranks 19th of 26 five-year cash ISAs we track.

Fixed rate · 5 years

4.40%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

No limit

Access

At maturity only

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 19th of 26

5-year cash ISAs we track

Below average
This account 4.40%
UK CPI (Aug 2026)
3.10%
Pays 1.30% more
Average 5-year cash ISA
4.61%
Pays 0.21% less
Best 5-year cash ISA
5.12%
Pays 0.72% 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 5 years
  • Con: You need at least £1,000 to open it

Good to Know

Opened and managed through a single HL Cash ISA account, giving access to fixed-rate products from multiple partner banks. Up to £20,000 ISA allowance can be deposited per tax year.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Hargreaves Lansdown's Cash ISA

What you could earn with Hargreaves Lansdown's Cash ISA – Fixed Rate 5 Year.

Estimated interest

£1,000 saved

£240

At 4.4% AER

£5,000 saved

£1,201

At 4.4% AER

£10,000 saved

£2,402

At 4.4% AER

£50,000 saved

£12,012

At 4.4% 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 Hargreaves Lansdown Cash ISA – Fixed Rate 5 Year

Jan WatermannCo-Founder, DepositScout

Hargreaves Lansdown operates as a marketplace here, so the 4.40% rate is a way into an underlying fixed product rather than a direct HL savings account. That rate sits 0.72% behind the current Cash ISA market leader at 5.12%, which puts it below the market average and worth questioning for a five-year lock-in. The real catch is that your money is completely inaccessible until maturity, and early exit may trigger a fee. At 1.30% above CPI of 3.1%, you do at least get a real return, but I would check whether HL's own easy-access Cash ISA at 4.52% suits you better before committing five years.

Compare Cash ISAs

2 alternatives to Hargreaves Lansdown's Cash ISA – Fixed Rate 5 Year

Same type of account, closest on rate.

Common questions about the Cash ISA – Fixed Rate 5 Year

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