Cash ISA from Tandem Bank
Protection
FSCS
Up to £120,000
Min balance
£1
Max balance
£20,000
Access
3 Years
Interest paid
Monthly
Transfers in
Accepted
Account is app-only; opened and managed entirely in the Tandem app. A 14-day funding window applies after opening, during which ISA transfers in must be initiated.
Please verify all details with the provider – for more info read our Disclaimer
Want to know how much interest you will receive with Tandem Bank's 3 Year Fixed Rate Cash ISA?
Estimated interest
£1,000 saved
£153
At 4.85% AER
£5,000 saved
£763
At 4.85% AER
£10,000 saved
£1,527
At 4.85% AER
£20,000 saved
£3,053
At 4.85% AER
Estimated over the 36-month term, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.
Tandem Bank's 3 Year Fixed Rate Cash ISA at 4.85% will appeal to ISA savers who want a competitive fixed return and are comfortable locking money away for three years, with interest paid monthly which is a nice touch for those who like to see returns building. Transfers in are accepted, so you can consolidate existing ISA pots here, and the minimum deposit of just £1 makes it accessible. The real catch is the early withdrawal penalty of 270 days' interest, which is on the steeper side, so only commit what you genuinely will not need for the full term. If you want to compare, Aldermore offers the same 3 Year Fixed Rate Cash ISA at the identical 4.85%.
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