Best 3 Year Fixed Rate Cash ISAs in October 2026

Compare 13 three-year fixed rate cash ISAs paying up to 5.13% AER

The best three-year fixed rate cash ISA pays 5.13% AER tax-free, from Tandem Bank. We track 13 three-year fixed ISAs from 13 providers. 11 take transfers in, so you can move an older ISA across without using this year's allowance.

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Last updated
Tandem Bank bank logo

Tandem Bank

5.13%
AER
Fixed
Interest Paid
Monthly
Access
3 Years
Close Brothers Savings bank logo

Close Brothers Savings

5.11%
AER
Fixed
Interest Paid
Annually/On maturity
Access
3 Years
Castle Trust Bank bank logo

Castle Trust Bank

5.05%
AER
Fixed
Interest Paid
On Maturity
Access
3 Years

Compare Cash ISA with other accounts

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OakNorth Bank bank logo

OakNorth Bank

5.03%
AER
Fixed
Interest Paid
Monthly
Access
36 Months
Aldermore bank logo

Aldermore

5.03%
AER
Fixed
Interest Paid
Monthly/Annually
Access
3 Years
Kent Reliance bank logo

Kent Reliance

4.97%
AER
Fixed
Interest Paid
Monthly/Annually
Access
3 Years
Charter Savings Bank bank logo

Charter Savings Bank

4.96%
AER
Fixed
Interest Paid
Monthly/Annually
Access
3 Years
Vida Savings bank logo

Vida Savings

4.95%
AER
Fixed
Interest Paid
Monthly/Annually
Access
3 Years
Yorkshire Building Society bank logo

Yorkshire Building Society

4.85%
AER
Interest Paid
Monthly
Access
Instant
Hampshire Trust Bank bank logo

Hampshire Trust Bank

4.83%
AER
Fixed
Interest Paid
Annually
Access
3 Years
Buckinghamshire Building Society bank logo

Buckinghamshire Building Society

4.83%
AER
Fixed
Cash ISA Fixed Rate
Non-Flexible ISA
Interest Paid
Annually/On maturity
Access
Until 30.11.2029
Monzo bank logo

Monzo

4.70%
AER
Fixed
Interest Paid
On maturity
Access
3 Years

Showing 12 of 13 results

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Our top 3 three-year fixed ISAs reviewed

Tandem Bank bank logo

Tandem Bank

1. 3 Year Fixed Rate Cash ISA

5.13% AER fixed

Best for: the highest rate

Tandem Bank's 3 Year Fixed Rate Cash ISA pays 5.13% AER tax-free, fixed for 3 years. That's the top rate on this page right now.

You can open it with as little as £1. £10,000 left in over the 3 years would earn about £1,619.

Min balance
£1
Max balance
£20,000
Access
3 Years
Interest paid
Monthly

Worth knowing

  • Your money is locked away until the fixed term ends.
Our take · Jan Watermann, Co-Founder

Tandem Bank's 3 Year Fixed Rate Cash ISA pays 5.13%, which sits above the cash ISA market average though 0.12% behind the category leader at 5.25%. At 2.03% above August 2026 CPI of 3.1%, it does at least offer a meaningful real return, which makes it worth considering for savers who want to lock in a tax-free rate for three years.

The catch is the early withdrawal penalty of 270 days' interest, so this suits someone confident they will not need the money, up to the £20,000 maximum, before the term ends.

Close Brothers Savings bank logo

Close Brothers Savings

2. 3 Year Fixed Rate Cash ISA

5.11% AER fixed

Close Brothers Savings' 3 Year Fixed Rate Cash ISA pays 5.11% AER tax-free, fixed for 3 years. That's 0.02 percentage points below the top rate here.

You need at least £10,000 to open it. £10,000 left in over the 3 years would earn about £1,613.

Min balance
£10,000
Max balance
£2,000,000
Access
3 Years
Interest paid
Annually/On maturity

Worth knowing

  • Your money is locked away until the fixed term ends.
Our take · Jonny Pease, Co-Founder

Close Brothers Savings is paying 5.11% on this three-year fixed cash ISA, which sits above the cash ISA market average but 0.14% behind the current market leader at 5.25%. At 2.01% above August 2026 CPI of 3.1%, it does at least beat inflation by a meaningful margin.

The minimum is £10,000, so it suits savers with a decent lump sum who want tax-free interest compounded annually over the term.

The main catch is the usual one for fixed bonds: your money is locked away for three years, so only commit what you genuinely will not need.

Castle Trust Bank bank logo

Castle Trust Bank

3. 3 year Fixed Rate e-Cash ISA

5.05% AER fixed

Castle Trust Bank's 3 year Fixed Rate e-Cash ISA pays 5.05% AER tax-free, fixed for 3 years. That's 0.08 percentage points below the top rate here.

You need at least £1,000 to open it. £10,000 left in over the 3 years would earn about £1,593.

Min balance
£1,000
Max balance
£500,000
Access
No access until maturity
Interest paid
On Maturity

Worth knowing

  • Your money is locked away until the fixed term ends.
Our take · Jan Watermann, Co-Founder

Castle Trust Bank's 3 Year Fixed Rate e-Cash ISA pays 5.05%, which sits above the cash ISA market average but 0.20% behind the category leader at 5.25%. It still beats CPI inflation of 3.1% by 1.95 percentage points, so your money grows in real terms over the three years.

The account accepts ISA transfers in and takes deposits from £1,000 up to £500,000, which makes it worth considering for larger ISA pots.

The real catch is that there is no access until maturity, so only commit money you are certain you will not need for three years.

Cash ISA transfer offers

Rewards for moving a cash ISA you already have to a new provider.

See all ISA transfer offers

How a three-year fixed ISA compares

The best rate in each option today.

ProviderOptionBest rate
E
eToro		Easy access cash ISA4.87%AER
TB
Tandem Bank		2 year fixed ISA5.08%AER
TB
Tandem Bank		3 year fixed ISA5.13%AER
S
Shawbrook		5 year fixed ISA5.25%AER
CB
Chetwood Bank		3 year fixed rate bond5.23%AER

Good to know

The details that change what a fixed ISA pays you.

Is fixing for longer worth it?

5.23%

one-year fixed ISA rate needed in October 2028 to match

Or fix for two years at 5.08% and go again in October 2028. To come out level, that next fix would need to pay at least 5.23%.

Expect rates above that? Go shorter. Expect them lower? Lock in now.

ISA or bond after tax?

6.58%

a bond must pay to beat this ISA (basic rate; 8.84% higher rate)

Before tax, the best three-year bond pays 0.1 percentage points more than this ISA. It only wins while your interest stays tax-free: about £19,100 saved for basic-rate taxpayers, £9,500 for higher-rate.

No three-year bond pays 6.58% right now.

The cash ISA limit is changing

£12,000

cash ISA limit for under-65s from 6 April 2027

It caps new money only, not what you already hold. Over-65s keep £20,000 (GOV.UK).

A fix opened now ends in October 2029. Rolling it into another ISA is a transfer, so it won't count towards the £12,000.

Flexible ISAs

6 of 13

are flexible

Take money out and put it back in the same tax year without using more allowance. The exit penalty usually still applies.

The top rate is flexible too: Tandem Bank at 5.13%.

Moving an existing ISA

11 of 13

accept transfers in

Ask the new provider to move it for you. Withdraw it yourself and it loses its ISA status.

Before you open one

Quick checks that save you money later.

  1. Transfer, don't withdraw

    Ask the new provider to move your old ISA. Withdrawing it yourself loses the tax wrapper.

  2. Check the minimum

    5 of these ISAs open from £1. The rest need £100 to £10,000.

  3. Diary October 2029

    At maturity most providers move your money into a variable ISA paying much less. Set a rate alert.

  4. One FSCS limit per banking licence

    That's £120,000 across every account you hold under the same banking licence, ISA or not.

Recent rate changes

The latest moves, newest first.

  1. VS
    Vida Savings 3 Year Fixed Rate ISA5.05% →4.95%
  2. Monzo Fixed Rate Cash ISA4.60% →4.70%
  3. TB
    Tandem Bank 3 Year Fixed Rate Cash ISA5.04% →5.13%
  4. CT
    Castle Trust Bank 3 year Fixed Rate e-Cash ISA4.81% →5.05%

About three-year fixed ISAs

Three years is long enough for the exit penalty to matter. Read it alongside the rate.

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3 Year Fixed Rate Cash ISAs FAQs

Answers use the rates in the table above.

Other fixed ISA terms

The best rate at each term today.

Keep comparing

3 Year Fixed Rate Bonds

Top rate 5.23% AER from Chetwood Bank.

All fixed rate cash ISAs

Every fixed ISA term side by side.

ISA Calculator

See what your ISA could grow to.

Rate Alerts

Hear when a better three-year rate launches.

Jonathan Pease

Written by

Jonny Pease

Jan Watermann

Reviewed by

Jan Watermann

Last updated

How we rank·How we make money·Editorial policy

This page is for information only and is not financial advice. Rates and account terms can change at any time — always confirm the details on the provider's website before opening an account. Read our full disclaimer.

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