Protection
FSCS£120,000
Min balance
£100
Max balance
£20,000
Access
Until 31.10.2029
Interest paid
Monthly/Annually
Transfers in
Accepted
How It Stacks Up
Ranks 20th of 33
3-year cash ISAs we track
- UK CPI (Aug 2026)
- 3.10%
- Pays 1.55% more
- Average 3-year cash ISA
- 4.64%
- About the same
- Best 3-year cash ISA
- 5.13%
- Pays 0.48% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A Good Fit For
- Pro: New and existing savers
- Pro: Savers who want a monthly income
Worth Weighing Up
- Con: Not flexible: money you withdraw can't be replaced without using more allowance
Good to Know
Age 18+ and a UK resident for tax (or a qualifying Crown employee or their spouse/civil partner); single name only. You can only pay into one YBS Cash ISA per tax year. Fixed Rate Cash eISA is opened online; the equivalent Fixed Rate Cash ISA is opened in branch or agency, or by post, and comes with a passbook record card. At maturity the eISA moves to an online easy access ISA; the branch edition moves to a fixed rate ISA, and you have until 30 November 2029 to switch.
Please verify all details with the provider – see our Disclaimer
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