Cash ISACompare 5 Year Fixed Rate Cash ISAs

Monmouthshire Building Society 5 Year Fixed Rate Cash ISA Review

A five-year cash ISA from Monmouthshire Building Society, with a £1,000 minimum deposit. It ranks 26th of 33 five-year cash ISAs we track.

Fixed rate · 5 years

4.55%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£20,000

Access

5 Years

Interest paid

Annually/On maturity

Transfers in

Accepted

How It Stacks Up

Ranks 26th of 33

5-year cash ISAs we track

Below average
This account 4.55%
UK CPI (Aug 2026)
3.10%
Pays 1.45% more
Average 5-year cash ISA
4.78%
Pays 0.23% less
Best 5-year cash ISA
5.25%
Pays 0.70% less

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

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A Good Fit For

  • Pro: New and existing savers
  • Pro: Flexible: take money out and put it back in the same tax year without using more allowance

Worth Weighing Up

  • Con: You need at least £1,000 to open it

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Estimated returns with Monmouthshire Building Society's Cash ISA

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

Estimated interest

£1,000 saved

£249

At 4.55% AER

£5,000 saved

£1,246

At 4.55% AER

£10,000 saved

£2,492

At 4.55% AER

£20,000 saved

£4,983

At 4.55% 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 Monmouthshire Building Society 5 Year Fixed Rate Cash ISA

Jonny PeaseCo-Founder, DepositScout

Monmouthshire Building Society's 5 Year Fixed Rate Cash ISA pays 4.55%, which sits near the market average for cash ISAs but is 0.70% behind the category leader at 5.25%, so it is not the sharpest option for a five-year lock-in. It does beat August 2026 CPI of 3.1% by 1.45%, which matters for savers focused on real returns. The hard catch is the early exit penalty of 450 days' loss of interest, and deposits are capped at £20,000. Hampshire Trust Bank's 5 Year Online ISA Fixed Saver at 4.95% is worth a look.

Compare Cash ISAs

2 alternatives to Monmouthshire Building Society'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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