Vida Savings 3 Year Fixed Rate ISA Review4.95% 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

3 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 3 Year Fixed Rate ISA?

Estimated interest

£1,000 saved

£156

At 4.95% AER

£5,000 saved

£780

At 4.95% AER

£10,000 saved

£1,560

At 4.95% AER

£500,000 saved

£77,986

At 4.95% AER

Estimated over the 36-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 3 Year Fixed Rate ISA

This account suits someone who wants to shelter a meaningful lump sum from tax and is confident they won't need it for three years, given the 4.95% rate and a minimum of £1,000. The big catch is the early access penalty: any withdrawal before the fixed term ends costs you 270 days' loss of interest, which means you could actually get back less than you put in if you withdraw within the first 270 days. Transfers in are accepted, so it works well if you're consolidating existing ISAs. If you want a marginally higher rate, Kent Reliance's three year fixed rate cash ISA is sitting at 4.96% and worth a look.
Jonny Pease (Co-Founder)DepositScout