Vida Savings 1 Year Fixed Rate ISA Review4.80% AER (Sep 2026)

Cash ISA from Vida Savings

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Protection

FSCS

Up to £120,000

Min balance

£1,000

Max balance

£500,000

Access

1 Year

Interest paid

Monthly/
Annually

Transfers in

Accepted

Who Is This For

Learn more about Vida Savings

Savers happy with a £500,000 cap
Savers who can deposit at least £1,000

Additional Info

Make unlimited deposits for the first 21 days, subject to your ISA allowance. Withdrawals can go to your Nominated Bank Account, another Vida Savings account, or another ISA provider. You can close within 14 days of your first deposit without it counting as an ISA subscription.

Please verify all details with the provider – for more info read our Disclaimer

Estimated returns with Vida Savings' Cash ISA

Want to know how much interest you will receive with Vida Savings's 1 Year Fixed Rate ISA?

Estimated interest

£1,000 saved

£48.00

At 4.8% AER

£5,000 saved

£240

At 4.8% AER

£10,000 saved

£480

At 4.8% AER

£500,000 saved

£24,000

At 4.8% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Vida Savings 1 Year Fixed Rate ISA

Vida Savings is paying 4.80% on this one-year fixed ISA, which is a solid rate for anyone who wants their tax-free savings locked away tidily for a year and accepts they cannot easily dip in. The minimum is £1,000 and it accepts ISA transfers in, so it works well for consolidating existing ISA pots. The catch worth noting is the 90-day interest penalty on early withdrawals, which means pulling money out in the first three months could leave you with less than you put in. If you want a fractionally higher rate, Charter Savings Bank's one-year fixed ISA is in the data at 4.81%.
Jonny Pease (Co-Founder)DepositScout