What is the best four-year fixed rate ISA right now?

There isn't one on sale right now. None of the providers we track has a four-year fixed cash ISA open. The nearest terms are listed on this page.

Can I withdraw from a four-year fixed ISA early?

Usually, with a penalty of some days' interest. Each product page shows the charge.

What happens when my four-year fixed ISA matures?

Your provider writes to you first. Transfer to a new ISA to keep a good rate. If you do nothing, it usually rolls into a low-paying variable ISA.

Does the £12,000 cash ISA limit affect my fixed ISA?

Not the money already in it. The limit caps new money paid into cash ISAs each tax year from 6 April 2027. People aged 65 or over keep £20,000.

Is my money safe in a fixed ISA?

Yes. Cash ISAs with UK banks and building societies are covered by the FSCS up to £120,000 per person per banking licence, together with any other savings you hold there.

Why are four-year fixed ISAs hard to find?

Most providers price around 1, 2, 3 and 5 years. Other terms appear when a provider wants deposits ending on a particular date. We track 0 right now.

Dashboard

Best 4 Year Fixed Rate Cash ISAs in October 2026

No four-year fixed cash ISAs on sale right now. The nearest terms are below.

See all fixed rate ISAs

Last updated 15 October 2026, 18:40

Nearest terms on sale

Nothing is on sale at this term right now. These are the closest terms with live rates.

3 year fixed ISAs

5 year fixed ISAs

Cash ISA transfer offers

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

See all ISA transfer offers

Cash ISA transfer
Barclays Cash ISA
Up to £600
For transferring £10,000 or more · Hold or open a Barclays current account
8 September 2026 to 25 November 2026See offer

Good to know

The details that change what a fixed ISA pays you.

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).

Until 5 April 2027 you can still pay in £20,000.

A hard term to find

on sale right now

Most providers fix for 1, 2, 3 or 5 years, so other terms come and go. Nearest: 3 years at 5.13% and 5 years at 5.25%.

Before you open one

Quick checks that save you money later.

Transfer, don't withdraw
Ask the new provider to move your old ISA. Withdrawing it yourself loses the tax wrapper.
Diary October 2030
At maturity most providers move your money into a variable ISA paying much less. Set a rate alert.
One FSCS limit per banking licence
That's £120,000 across every account you hold under the same banking licence, ISA or not.

About four-year fixed ISAs

Four-year fixed ISAs are uncommon. When one pays as much as the best five-year ISA, take the shorter lock.

Ask Penny AI

Not sure how long to fix for? Penny compares every account we track.

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4 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

4 Year Fixed Rate Bonds

Top rate 5.17% AER from Aldermore.

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 four-year rate launches.

Written by

Jonny Pease

Reviewed by

Jan Watermann

Last updated 15 October 2026, 18:40

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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