Vida Savings 5 Year Fixed Rate ISA Review5.00% 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

5 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 5 Year Fixed Rate ISA?

Estimated interest

£1,000 saved

£276

At 5% AER

£5,000 saved

£1,381

At 5% AER

£10,000 saved

£2,763

At 5% AER

£500,000 saved

£138,141

At 5% AER

Estimated over the 60-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 5 Year Fixed Rate ISA

Vida Savings is offering 5.00% on this five-year fixed Cash ISA, which will appeal to anyone who wants to shelter a meaningful lump sum from tax and is confident they will not need to touch it for the full term. Transfers in are accepted, so you can consolidate existing ISA money here. The serious catch is the early withdrawal penalty: 360 days' loss of interest, and Vida explicitly warns you could get back less than you deposited if you withdraw within the first year. Close Brothers Savings has a comparable five-year fixed Cash ISA at 4.98% if you want a near-identical alternative worth checking.
Jan Watermann (Co-Founder)DepositScout