Cash ISACompare 5 Year Fixed Rate Cash ISAs

Hodge Bank 5 Year Fixed Rate Cash ISA Review

A competitive five-year cash ISA from Hodge Bank, with a £1,000 minimum deposit. It ranks 13th of 32 five-year cash ISAs we track.

Fixed rate · 5 years

4.91%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£20,000

Access

Full closure only, 365 days interest penalty

Interest paid

Annually or Monthly

Transfers in

Not accepted

How It Stacks Up

Ranks 13th of 32

5-year cash ISAs we track

Above average
This account 4.91%
UK CPI (Aug 2026)
3.10%
Pays 1.81% more
Average 5-year cash ISA
4.72%
Pays 0.19% more
Best 5-year cash ISA
5.25%
Pays 0.34% less

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

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A Good Fit For

  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: You need at least £1,000 to open it
  • Con: It doesn't accept transfers in from other ISAs

Good to Know

No ISA transfers in accepted

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Hodge Bank's Cash ISA

What you could earn with Hodge Bank's 5 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£271

At 4.91% AER

£5,000 saved

£1,354

At 4.91% AER

£10,000 saved

£2,708

At 4.91% AER

£20,000 saved

£5,416

At 4.91% 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 Hodge Bank 5 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Hodge Bank's 5 Year Fixed Rate Cash ISA pays 4.91%, which is above the cash ISA market average but 0.34% behind the category leader at 5.25%, so it is decent rather than outstanding. At 1.81% above August 2026 CPI of 3.1%, your money does grow in real terms. The £20,000 cap and the ban on ISA transfers in are real limitations, and early exit means a 365-day interest penalty. Hampshire Trust Bank and Darlington Building Society both offer 4.95% if you want to close that gap.

Compare Cash ISAs

2 alternatives to Hodge Bank's 5 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 5 Year Fixed Rate Cash ISA

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