No withdrawals until maturity; early closure or transfer out incurs an exit charge of 270 days' interest.
Maximum
£500,000
Conditions
UK resident aged 18+ with a National Insurance number. UK mobile number, email address and a UK current account in your name. Sole name only. Fund within 14 days of opening.
Interest paid
When the term ends
Manage by
Online, Mobile app
FSCS licence
Castle Trust Capital plc
Deposit-taker
Castle Trust Bank, a trading name of Castle Trust Capital plc
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 541910)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £126.8m at 30 September 2025 (annual report 2025)
UBL UK 3 Year Fixed Rate Cash ISAFixed for 3 years · from £2,000Beats inflationSole name onlyDetails for UBL UK 3 Year Fixed Rate Cash ISA
Access
No partial withdrawals; early closure in full only, with a charge of 270 days' gross interest. Non-flexible ISA.
Conditions
UK resident for tax purposes aged 18+. Valid National Insurance number. Sole name only. Minimum £2,000. Interest can be paid monthly, quarterly, annually or at maturity.
Interest paid
Once a year
Manage by
Online, Mobile app, Branch, Post, Phone
FSCS licence
United National Bank Limited
Deposit-taker
UBL UK, a trading name of United National Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 207381)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £117.0m at 31 December 2025 (annual report 2025)
Highest AER first, then the lower minimum deposit. Ranking rules version 1.2.0. AER shows what you'd earn in a year including any bonus. Rates can change at any time: check with the bank before you apply. Lifetime ISA rates are the provider's interest only; the government's 25% bonus is not in the AER. Lifetime ISAs, Junior ISAs and children's accounts are ranked only against their own kind, and Premium Bonds, which pay prizes rather than interest, are never ranked: see NS&I and Premium Bonds. NS&I accounts are backed by HM Treasury, not the FSCS. We list accounts held directly with the bank, not savings sold through apps and platforms such as Revolut, Trading 212 or Raisin. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank, what we don't list and how we're paid.
