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Cash ISA Fixed Rate Bonds

Subject to availability

Tax-free limited Issue ISAs with fixed rates to help you get a guaranteed return on your savings

Other products and services are available at Virgin Money. Find out more. about Virgin Money savings products (opens in a new window)

Lock away your savings and watch them grow tax-free - Jump to footnote [1]

Cash ISA Fixed Rate Bonds are a great way to get a guaranteed return on your savings and plan for the future.

When you deposit your savings in a Cash ISA Fixed Rate Bond, you'll enjoy a fixed rate for the duration of the bond. This means you'll get a guaranteed return on your deposit - and all the interest is tax free[1].

With our straightforward application your account can be open in minutes.

UK residents only. Applicants must be 16 or over to apply. 18 or over to apply online.

Features of a Cash ISA Fixed Rate Bond

  • Interest rate fixed until bond matures - Jump to footnote [2]
  • Earn tax free interest - Jump to footnote [1]
  • Minimum deposit £10, additional deposits possible whilst products on sale up to maximum £20k (ISA subscription limit for 2020/2021)
  • Transfer your balances from other providers (previous tax year subscriptions) to one of our fixed rates

Early account closure or transfers will incur a charge. Partial withdrawals not permitted. Full T&C’s here (link opens in a new tab). Please see making withdrawals section.

Important information

UK residents only. 16+. Online 18+. You must hold a National Insurance number. Withdrawal charges apply, based on days until maturity. Deposits possible whilst product on sale up to £20,000 in each tax year (ISA Subscription limit). Interest is calculated daily and credited to the account at maturity or on account closure.

Can I transfer cash from another ISA?

If you already have ISAs with Yorkshire Bank or any other provider, you can transfer them to one of our Cash ISAs at account opening.

  • You can transfer any amount of previous tax years’ subscriptions or;
  • If you are transferring subscriptions from tax year 2020/2021 they must be transferred in full and will be subject to the overall annual maximum limit of £20,000.
  • If you have a Yorkshire Bank Flexi ISA, read more about how to Transfer funds

How can I keep track of my savings?

After the Cash ISA Fixed Rate Bond has been removed from sale and the funding period has ended, if you have chosen to continue receiving paper statements from us then we will issue a statement to show the amount of your savings.

If you have already opted to 'Go Paperless' you can view your account by using the app or logging on to internet banking. If you register online for internet banking you will be able to see the current balance at any time throughout the term of your Cash ISA Fixed Rate Bond.

Can I make withdrawals?

The Cash ISA fixed rate bond is designed for savers who don't need to access their funds before the stated maturity date. If you withdraw your money before thatdate, you will have to pay an early withdrawal charge based on the number of days to maturity, and the account will be closed. Full details in the Withdrawals section of the terms and conditions.

Days to Maturity Early Repayment Charge
1-91 45 days’ interest
92-181 90 days’ interest
182 -273 135 days’ interest
Above 273 180 days’ interest

How do I deposit into my Cash ISA Fixed Rate Bond?

How do I deposit into my Cash ISA Fixed Rate Bond?

  • You can only deposit funds or transfer another ISA in to a Cash ISA Fixed Rate Bond whilst the product is on sale.
  • You can deposit funds into your account at any branch.
  • Payment from your Yorkshire Bank account or Virgin Money Current Account:
    • If you are registered for internet banking, you can make a payment into your account using the funds transfer option.
    • If you are not registered for internet banking, you can register online then complete your payment using the funds transfer option.
  • Payment from an account with another provider:
    • You can make a payment directly from another bank account as long as you have the sort code and account number of your new Cash ISA Fixed Rate Bond. If you have forgotten them, please give our team a call on 0800 028 3632.
  • You can also transfer funds from another ISA account.

[1] AER. Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year. The proceeds of an ISA are free from UK income tax and capital gains tax, provided all ISA conditions are met. The value of any tax benefits to you depends on your individual circumstances, the law and Her Majesty's Revenue and Customs (HMRC) practice which are subject to change.

[2] Before maturity we will write to you with details of available options. Unless you tell us otherwise, on maturity the Cash ISA FRB will be re-invested into a new Cash ISA FRB of a term closest in length to your original term.

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