Fixed Cash ISA (2 Year)

Fixed for 2 years · Cash ISA · Checked by hand 2 November 2026

4.10%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £1,673.62 in 2 years, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: No withdrawals during the term; closure or transfer out only, with a charge.
Minimum: £500
Interest paid: Once a year
Manage by: Online, Mobile app, Phone, Branch
Who can apply: No extra conditions beyond the bank's standard checks.
Where we read it: Bank of Scotland's own page, 2 November 2026. We read this rate from the bank's own page by hand and recheck it at least weekly

Full details

Juno hasn't read a Summary Box for this account yet. Bank of Scotland's own page has the full terms and conditions.

Who holds your money

Deposit-taker: Bank of Scotland, a trading name of Bank of Scotland plc
Incorporated in: United Kingdom
Principal place of business: Scotland (registered office The Mound, Edinburgh)
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 169628)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Paid-up capital and reserves of £16,333m at 31 December 2025, for its group (latest published accounts).

FSCS protection

Up to £120,000 per person is protected across everything you hold with Bank of Scotland plc.

Shared licence: Halifax also uses this licence, so money there counts towards the same £120,000.

Check your total protection

Rate history

No change since tracking began.

Don't miss the end date

The term ends after 2 years. Add a reminder two weeks before. It goes straight into your calendar; we keep nothing.

Go to Bank of Scotland to apply

You'll apply on Bank of Scotland's own website. Bank of Scotland may pay us if you open this account; that doesn't affect its position in our results.