Vida Savings 2 Year Fixed Rate ISA Review4.90% 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

2 Years

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 2 Year Fixed Rate ISA?

Estimated interest

£1,000 saved

£100

At 4.9% AER

£5,000 saved

£502

At 4.9% AER

£10,000 saved

£1,004

At 4.9% AER

£500,000 saved

£50,200

At 4.9% AER

Estimated over the 24-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.

Our Expert Opinion on Vida Savings 2 Year Fixed Rate ISA

Vida Savings' 2 Year Fixed Rate ISA pays 4.90% and accepts transfers in, which makes it a solid option for anyone looking to consolidate existing ISA money and lock in a competitive tax-free rate for two years. You need at least £1,000 to open it, and the real catch is the early access penalty: any withdrawal before the term ends costs you 180 days' loss of interest, which could mean getting back less than you put in if you exit early. If you want the same rate with a longer commitment, Close Brothers Savings offers a 3 Year Fixed Rate Cash ISA also at 4.90%.
Jan Watermann (Co-Founder)DepositScout