What interest rate does the Lloyds Bank 1 Year Fixed Rate Cash ISA pay?

The Lloyds Bank 1 Year Fixed Rate Cash ISA pays 4.00% AER fixed.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £400 at 4.00% 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 Lloyds Bank 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 one-year cash ISAs?

At 4.00% AER it ranks 37th of 47 one-year cash ISAs we track. The best pays 4.92% and the average is 4.37%.

Lloyds Bank 1 Year Fixed Rate Cash ISA Review: 4.00% AER (Oct 2026)

Protection

FSCS£120,000

Min balance

£500

Max balance

No limit

Access

At maturity only

Interest paid

Monthly/Annually

Transfers in

Accepted

Lloyds Bank is also paying £200 to switch your current account. Offer ends 9 December 2026.

See the switch offer

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
Pro: Savers who want a monthly income

Worth Weighing Up

Con: Your money is locked in for 1 year
Con: Not flexible: money you withdraw can't be replaced without using more allowance

Good to Know

You can get an extra 0.20% AER/tax-free if you have a Lloyds Premier current account that has been open for at least 8 days.

Any money you move into an account that isn't an ISA will lose its tax-free status.

Please verify all details with the provider – see our Disclaimer

See all Lloyds Bank accounts

Estimated returns with Lloyds Bank's Cash ISA

What you could earn with Lloyds Bank's 1 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£40.00

At 4% AER

£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.

Common questions about the 1 Year Fixed Rate Cash ISA

Lloyds Bank 1 Year Fixed Rate Cash ISA Review

How It Stacks Up

A Good Fit For

Worth Weighing Up

Good to Know

Estimated returns with Lloyds Bank's Cash ISA

Our Expert Opinion on Lloyds Bank 1 Year Fixed Rate Cash ISA

2 alternatives to Lloyds Bank's 1 Year Fixed Rate Cash ISA3 alternatives to Lloyds Bank's 1 Year Fixed Rate Cash ISA

Common questions about the 1 Year Fixed Rate Cash ISA

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