Cash ISA

West Brom Building Society 1 Year Fixed Rate ISA Review

A one-year cash ISA from West Brom Building Society. It ranks 33rd of 47 one-year cash ISAs we track.

Fixed rate · 1 year

4.15%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

90 days loss of interest to withdraw

Interest paid

Annually or Monthly

Transfers in

Accepted

How It Stacks Up

Ranks 33rd of 47

1-year cash ISAs we track

Below average
This account 4.15%
UK CPI (Aug 2026)
3.10%
Pays 1.05% more
Average 1-year cash ISA
4.37%
Pays 0.22% less
Best 1-year cash ISA
4.92%
Pays 0.77% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want a monthly income

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Estimated returns with West Brom Building Society's Cash ISA

What you could earn with West Brom Building Society's 1 Year Fixed Rate ISA.

Estimated interest

£1,000 saved

£41.50

At 4.15% AER

£5,000 saved

£208

At 4.15% AER

£10,000 saved

£415

At 4.15% AER

£50,000 saved

£2,075

At 4.15% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on West Brom Building Society 1 Year Fixed Rate ISA

Jonny PeaseCo-Founder, DepositScout

West Brom's 1 Year Fixed Rate ISA pays 4.15%, which is below the cash ISA market average and 0.97% behind the current market leader at 5.12%, so I would not call this rate compelling. It does beat August 2026 CPI of 3.1% by 1.05%, which at least preserves real value. The main catch is that withdrawals cost you 90 days loss of interest, so treat this as locked money. If you want something more flexible at a similar rate, Kent Reliance's Easy Access Cash ISA pays 4.24% with no fixed term.

Compare Cash ISAs

2 alternatives to West Brom Building Society's 1 Year Fixed Rate ISA

Same type of account, closest on rate.

Common questions about the 1 Year Fixed Rate ISA

D

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