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

The UBL UK 3 Year Fixed Rate Cash ISA pays 4.71% AER fixed.

How much interest could I earn?

Saving £10,000 for 3 years would earn about £1,481 at 4.71% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £2,000 and up to £20,000.

When is interest paid?

You can choose to have interest paid monthly, quarterly, annually or at the end of the term.

Who can open this account?

New and existing UBL UK customers can open it. You can open it online, in branch, by post, in the app 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 4.71% AER it ranks 19th of 33 three-year cash ISAs we track. The best pays 5.13% and the average is 4.68%.

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Cash ISA Compare 3 Year Fixed Rate Cash ISAs

UBL UK 3 Year Fixed Rate Cash ISA Review

Q: Can I withdraw my money?

Access: No withdrawals without penalty.

A three-year cash ISA from UBL UK, with a £2,000 minimum deposit. It ranks 19th of 33 three-year cash ISAs we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 3 years

4.71%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£2,000

Max balance

£20,000

Access

No withdrawals without penalty

Interest paid

Monthly/Quarterly/Annually/On maturity

Transfers in

Accepted

How It Stacks Up

Ranks 19th of 33

3-year cash ISAs we track

Just above average

This account 4.71%

UK CPI (Aug 2026): 3.10%; Pays 1.61% more
Average 3-year cash ISA: 4.68%; About the same
Best 3-year cash ISA: 5.13%; Pays 0.42% less

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

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A Good Fit For

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

Worth Weighing Up

Con: You need at least £2,000 to open it
Con: Not flexible: money you withdraw can't be replaced without using more allowance

Good to Know

Early withdrawals will result in a loss of 270 days gross interest.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with UBL UK's Cash ISA

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

Estimated interest

£5,000 saved

£740

At 4.71% AER

£10,000 saved

£1,481

At 4.71% AER

£20,000 saved

£2,961

At 4.71% 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 UBL UK 3 Year Fixed Rate Cash ISA

Jonny PeaseCo-Founder, DepositScout

UBL UK's 3 Year Fixed Rate Cash ISA pays 4.71%, which sits above the cash ISA market average but 0.54% behind the category leader at 5.25%. At 1.61% above CPI inflation of 3.1%, it does at least offer a real return over the three-year term. The £2,000 minimum and £20,000 maximum mean it suits mid-range ISA savers, and it accepts transfers in. The main catch is no withdrawals without penalty, so only commit money you can lock away for three years.

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