Cash ISA

Metro Bank Fixed Rate Cash ISA (3 Year) Review

A three-year cash ISA from Metro Bank. It ranks 28th of 28 three-year cash ISAs we track.

Fixed rate · 3 years

3.65%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

At maturity only

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 28th of 28

3-year cash ISAs we track

Well below average
This account 3.65%
UK CPI (Aug 2026)
3.10%
Pays 0.55% more
Average 3-year cash ISA
4.61%
Pays 0.96% less
Best 3-year cash ISA
5.11%
Pays 1.46% less

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

Compare cash ISAs

Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 3 years

Please verify all details with the provider – see our Disclaimer

See all Metro Bank accounts

Estimated returns with Metro Bank's Cash ISA

What you could earn with Metro Bank's Fixed Rate Cash ISA (3 Year).

Estimated interest

£1,000 saved

£114

At 3.65% AER

£5,000 saved

£568

At 3.65% AER

£10,000 saved

£1,135

At 3.65% AER

£50,000 saved

£5,677

At 3.65% AER

Estimated over the 36-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 Metro Bank Fixed Rate Cash ISA (3 Year)

Jonny PeaseCo-Founder, DepositScout

Metro Bank's three-year fixed Cash ISA pays 3.65%, which sits below the market average for Cash ISAs and 1.47% behind the category leader at 5.12%. The rate does beat August 2026 CPI of 3.1% by 0.55%, so your money holds real value, but you are locking it away with no access until maturity for a return that is hard to justify when alternatives exist. Tembo's Standard Cash ISA, for instance, offers 4.00% with what appears to be easier access. This account suits someone who already banks with Metro and values the branch relationship above chasing the best rate.

Compare Cash ISAs

2 alternatives to Metro Bank's Fixed Rate Cash ISA (3 Year)

Same type of account, closest on rate.

Common questions about the Fixed Rate Cash ISA (3 Year)

D

DepositScout Alerts

2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this Metro Bank rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time