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Virgin Money 1 Year Fixed Rate Cash E-ISA Review4.73% AER (Sep 2026)

Cash ISA from Virgin Money

Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£20,000

Access

No access until maturity

Interest paid

Monthly/
Annually

Transfers in

Accepted

  • New and existing savers
  • Savers happy with a £20,000 cap

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

Estimated returns with Virgin Money's Cash ISA

Want to know how much interest you will receive with Virgin Money's 1 Year Fixed Rate Cash E-ISA?

Estimated interest

£1,000 saved

£47.30

At 4.73% AER

£5,000 saved

£236

At 4.73% AER

£10,000 saved

£473

At 4.73% AER

£20,000 saved

£946

At 4.73% 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 Virgin Money 1 Year Fixed Rate Cash E-ISA

Virgin Money's 1 Year Fixed Rate Cash E-ISA pays 4.73% and accepts transfers in, so it works well for anyone wanting to consolidate existing ISA money into a competitive fixed rate without a large minimum deposit to worry about. The key catch is that your money is locked away for the full year, and if you do need to dip in, any withdrawal costs you 60 days' loss of interest on the amount taken out, and you cannot put that money back in. If you want a similar rate with more flexibility, Chip's Smart Cash ISA is currently sitting at 4.74% and is worth a look.

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3 alternatives to Virgin Money's 1 Year Fixed Rate Cash E-ISA

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