What interest rate does the United Trust Bank Cash ISA 5 Year Bond pay?

The United Trust Bank Cash ISA 5 Year Bond pays 4.75% AER fixed.

How much interest could I earn?

Saving £10,000 for 5 years would earn about £2,612 at 4.75% 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 £5,000 and up to £1,000,000.

Can I withdraw my money?

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

When is interest paid?

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

Who can open this account?

You can open it online, by post 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 five-year cash ISAs?

At 4.75% AER it ranks 15th of 28 five-year cash ISAs we track. The best pays 5.25% and the average is 4.68%.

Dashboard

Cash ISA

United Trust Bank Cash ISA 5 Year Bond Review

A five-year cash ISA from United Trust Bank, with a £5,000 minimum deposit. It ranks 15th of 28 five-year cash ISAs we track.

Rate checked Oct 2026Got this account? Leave a review

Fixed rate · 5 years

4.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£1,000,000

Access

At maturity only

Interest paid

Annually/On maturity

Transfers in

Accepted

How It Stacks Up

Ranks 15th of 28

5-year cash ISAs we track

Just above average

This account 4.75%

UK CPI (Aug 2026): 3.10%; Pays 1.65% more
Average 5-year cash ISA: 4.68%; Pays 0.07% more
Best 5-year cash ISA: 5.25%; Pays 0.50% less

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

Compare cash ISAs

Worth Weighing Up

Con: Your money is locked in for 5 years
Con: You need at least £5,000 to open it
Con: Not flexible: money you withdraw can't be replaced without using more allowance

Good to Know

A Nominated Bank Account must be provided when applying. It must be a transactional UK bank account in your name. Fund within 14 days of applying or the account will be closed.

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Estimated returns with United Trust Bank's Cash ISA

What you could earn with United Trust Bank's Cash ISA 5 Year Bond.

Estimated interest

£5,000 saved

£1,306

At 4.75% AER

£10,000 saved

£2,612

At 4.75% AER

£50,000 saved

£13,058

At 4.75% AER

£1,000,000 saved

£261,160

At 4.75% 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 United Trust Bank Cash ISA 5 Year Bond

Jonny PeaseCo-Founder, DepositScout

United Trust Bank's five-year Cash ISA pays 4.75%, which sits above the Cash ISA market average but 0.50% behind the category leader at 5.25%. It accepts transfers in and requires a minimum of £5,000, so it suits savers with an existing ISA pot who want a real return, currently 1.65% above CPI inflation of 3.1%. The real catch is that your money is locked until maturity, and early withdrawals carry a charge, so I would only commit funds you are certain you will not need for five years.

Compare Cash ISAs