Cash ISA

Metro Bank Fixed Rate Cash ISA (5 Year) Review

A five-year cash ISA from Metro Bank. It ranks 26th of 26 five-year cash ISAs we track.

Fixed rate · 5 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 26th of 26

5-year cash ISAs we track

Well below average
This account 3.65%
UK CPI (Aug 2026)
3.10%
Pays 0.55% more
Average 5-year cash ISA
4.61%
Pays 0.96% less
Best 5-year cash ISA
5.12%
Pays 1.47% less

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

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Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 5 years

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Estimated returns with Metro Bank's Cash ISA

What you could earn with Metro Bank's Fixed Rate Cash ISA (5 Year).

Estimated interest

£1,000 saved

£196

At 3.65% AER

£5,000 saved

£982

At 3.65% AER

£10,000 saved

£1,963

At 3.65% AER

£50,000 saved

£9,816

At 3.65% 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 Metro Bank Fixed Rate Cash ISA (5 Year)

Jan WatermannCo-Founder, DepositScout

Metro Bank's five-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 keeps a little real-world value, but locking away funds for five years with no access until maturity is a significant commitment for a below-average return. You can open with as little as £1 and it accepts transfers in, which suits ISA consolidators, but I would look at Tembo's Standard Cash ISA at 4.00% before committing to this term.

Compare Cash ISAs

2 alternatives to Metro Bank's Fixed Rate Cash ISA (5 Year)

Same type of account, closest on rate.

Common questions about the Fixed Rate Cash ISA (5 Year)

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