Cash ISA

Manchester Building Society 5 Year Fixed Rate ISA Review

A five-year cash ISA from Manchester Building Society. It ranks 14th of 26 five-year cash ISAs we track.

Fixed rate · 5 years

4.65%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

No withdrawals

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 14th of 26

5-year cash ISAs we track

Just above average
This account 4.65%
UK CPI (Aug 2026)
3.10%
Pays 1.55% more
Average 5-year cash ISA
4.62%
About the same
Best 5-year cash ISA
5.12%
Pays 0.47% less

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

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Estimated returns with Manchester Building Society's Cash ISA

What you could earn with Manchester Building Society's 5 Year Fixed Rate ISA.

Estimated interest

£1,000 saved

£255

At 4.65% AER

£5,000 saved

£1,276

At 4.65% AER

£10,000 saved

£2,552

At 4.65% AER

£50,000 saved

£12,758

At 4.65% 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 Manchester Building Society 5 Year Fixed Rate ISA

Jonny PeaseCo-Founder, DepositScout

This account suits someone happy to lock money away for five years in exchange for a tax-free 4.65%, which sits 1.55% above CPI inflation of 3.1% so your real return is positive. The rate is near the market average for Cash ISAs, sitting 0.47% behind the current market leader at 5.12%, so I would still check alternatives before committing. Skipton and Furness Building Society both offer five-year fixed Cash ISAs at 4.77% and 4.91% respectively, which are worth a look. The real catch here is straightforward: no withdrawals are permitted for the full five-year term.

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2 alternatives to Manchester Building Society's 5 Year Fixed Rate ISA

Same type of account, closest on rate.

Common questions about the 5 Year Fixed Rate ISA

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