Cash ISA

Shawbrook 5 Year Fixed Rate Cash ISA Review

A top-paying five-year cash ISA from Shawbrook, with a £1,000 minimum deposit. None of the other 25 five-year cash ISAs we track pays more.

Fixed rate · 5 years

5.25%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£250,000

Access

5 Years

Interest paid

Monthly/Annually

Transfers in

Accepted

How It Stacks Up

Ranks 1st of 26

5-year cash ISAs we track

Top rate
This account 5.25%
UK CPI (Aug 2026)
3.10%
Pays 2.15% more
Average 5-year cash ISA
4.69%
Pays 0.56% more
Best 5-year cash ISA
5.25%
About the same

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

Compare cash ISAs

A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: You need at least £1,000 to open it
  • Con: Not flexible: money you withdraw can't be replaced without using more allowance

Good to Know

You can fund your account within 90 days after opening. We’ll close it if it remains unfunded by this time

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Shawbrook's Cash ISA

What you could earn with Shawbrook's 5 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£292

At 5.25% AER

£5,000 saved

£1,458

At 5.25% AER

£10,000 saved

£2,915

At 5.25% AER

£250,000 saved

£72,887

At 5.25% 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 Shawbrook 5 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Shawbrook's 5 Year Fixed Rate Cash ISA is currently the market-leading Cash ISA at 5.25%, sitting 2.15% above CPI inflation of 3.1% as of Aug 2026, which makes it a genuinely useful real-terms return for anyone comfortable locking money away for five years. It accepts transfers in and you can open with as little as £1,000, up to a maximum of £250,000, so it suits a wide range of savers. The real catch is that access is fixed for the full five years, so this is only right for money you are certain you will not need before the term ends.

Compare Cash ISAs

2 alternatives to Shawbrook'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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