Cash ISA

Royal Bank of Scotland Fixed Rate ISA 1 Year Review

A competitive one-year cash ISA from Royal Bank of Scotland, with a £1,000 minimum deposit. It ranks 12th of 47 one-year cash ISAs we track.

1 year

4.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

No limit

Access

1 Year

Interest paid

Annually

Transfers in

Accepted

Royal Bank of Scotland is also paying up to £500 to switch your current account.

See the switch offer

How It Stacks Up

Ranks 12th of 47

1-year cash ISAs we track

Above average
This account 4.75%
UK CPI (Aug 2026)
3.10%
Pays 1.65% more
Average 1-year cash ISA
4.37%
Pays 0.38% more
Best 1-year cash ISA
4.92%
Pays 0.17% less

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

Compare cash ISAs

Pros and cons

  • Pro: New and existing savers
  • Con: You need at least £1,000 to open it

Good to Know

Open to UK residents aged 18+ with a minimum deposit of £1,000; account can be opened via mobile app, online, by telephone (existing customers only), or in branch with own device. Existing and new customers are both eligible.

Please verify all details with the provider – see our Disclaimer

See all Royal Bank of Scotland accounts

Estimated returns with Royal Bank of Scotland's Cash ISA

What you could earn with Royal Bank of Scotland's Fixed Rate ISA 1 Year.

Estimated interest

£1,000 saved

£47.50

At 4.75% AER

£5,000 saved

£238

At 4.75% AER

£10,000 saved

£475

At 4.75% AER

£50,000 saved

£2,375

At 4.75% 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.

Our Expert Opinion on Royal Bank of Scotland Fixed Rate ISA 1 Year

Jonny PeaseCo-Founder, DepositScout

Royal Bank of Scotland's Fixed Rate ISA 1 Year pays 4.75%, which sits above the cash ISA market average but 0.37% behind the category leader at 5.12%. It accepts transfers in and needs a £1,000 minimum, so it suits existing ISA holders who want a straightforward one-year fix. The real catch is early closure: you lose the lower of interest earned or 90 days' interest. At 1.65% above August 2026 CPI of 3.1%, the real return is positive, though Tandem Bank offers a marginally better 4.76% on the same term.

Compare Cash ISAs

2 alternatives to Royal Bank of Scotland's Fixed Rate ISA 1 Year

Same type of account, closest on rate.

Common questions about the Fixed Rate ISA 1 Year

D

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