What interest rate does the TSB 3 Year Fixed Rate Cash ISA pay?

The TSB 3 Year Fixed Rate Cash ISA pays 4.75% AER.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,494 at 4.75% AER. This assumes the rate stays the same and interest stays in the account.

Can I withdraw my money?

No. Withdrawals aren't allowed until the account matures.

When is interest paid?

Interest is paid at the end of the term.

Who can open this account?

New and existing TSB customers can open it. You can open it online, in branch or by phone.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

Can I transfer an existing ISA in?

Yes, transfers in from other ISAs are accepted.

How does it compare with other three-year cash ISAs?

At 4.75% AER it ranks 12th of 28 three-year cash ISAs we track. The best pays 5.11% and the average is 4.61%.

Dashboard

Cash ISA

TSB 3 Year Fixed Rate Cash ISA Review

A competitive three-year cash ISA from TSB. It ranks 12th of 28 three-year cash ISAs we track.

Rate checked Oct 2026Got this account? Leave a review

3 years

4.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

No limit

Access

At maturity only

Interest paid

On maturity

Transfers in

Accepted

How It Stacks Up

Ranks 12th of 28

3-year cash ISAs we track

Above average

This account 4.75%

UK CPI (Aug 2026): 3.10%; Pays 1.65% more
Average 3-year cash ISA: 4.61%; Pays 0.14% more
Best 3-year cash ISA: 5.11%; Pays 0.36% less

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

Compare cash ISAs

Pros and cons

Pro: New and existing savers
Con: Your money is locked in for 3 years

Good to Know

Applicants must be 18 or over and a UK resident (existing TSB Cash ISA holders under 18 may also apply). Can be opened online, in branch, or via telephone banking.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with TSB's Cash ISA

What you could earn with TSB's 3 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£149

At 4.75% AER

£5,000 saved

£747

At 4.75% AER

£10,000 saved

£1,494

At 4.75% AER

£50,000 saved

£7,469

At 4.75% AER

Estimated over the 36-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 TSB 3 Year Fixed Rate Cash ISA

Jonny PeaseCo-Founder, DepositScout

TSB's 3 Year Fixed Rate Cash ISA pays 4.75%, which sits above the market average for cash ISAs but is 0.37% behind the category leader at 5.12%. It does beat inflation by 1.65 percentage points against the August 2026 CPI figure of 3.1%, so your money grows in real terms. The main catch is that you get no access until maturity, with interest only paid at the end of three years, so this suits savers who are confident they will not need the money for the full term. Transfers in are accepted, which is a practical plus if you have existing ISA cash to consolidate.

Compare Cash ISAs

2 alternatives to TSB's 3 Year Fixed Rate Cash ISA3 alternatives to TSB's 3 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Rate Cash ISA

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