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Juno Hunt is a savings comparison service from MFG Management Services Limited (registered in the Isle of Man, company number 135041C; registered office Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN), part of Manx Financial Group. We list savings accounts from UK banks and building societies authorised by the Prudential Regulation Authority, and from NS&I, which is backed by HM Treasury. Manx Financial Group also owns Conister Bank: its accounts are ranked by rate alone like every other bank's and labelled "Our group".

Some banks pay us when you open an account through our link. That payment never changes the order of results. We don't give personal advice, and we never hold your money. Rates can change at any time, so check the details with the bank before you apply.

Juno is our mascot. She finds and ranks rates; she doesn't give advice, and neither do we.

UBL UK 18 Month Fixed Rate Cash ISA: 4.15% AER | Juno Hunt

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18 Month Fixed Rate Cash ISA

Fixed for 18 months · Cash ISA · Checked 3 Nov 2026, 17:00

4.15%

AER

Above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £1,257.83 in 18 months, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: No withdrawals before maturity; closing or transferring out early incurs an interest charge.
Minimum: £1
Interest paid: Once a year
Manage by: Online
Who can apply: No extra conditions beyond the bank's standard checks.
Where we read it: UBL UK's own page, 3 November 2026

Full details

What UBL UK's own website says about this account. See it on UBL UK's website. The rate at the top of this page is the one Juno checked most recently.

Ways to open: Online, Mobile app, Post and BranchFrom UBL UK's website, checked 3 November 2026
Minimum age: 18 or overFrom UBL UK's website, checked 3 November 2026
Where you must live: resident in the UK for tax purposesFrom UBL UK's website, checked 3 November 2026
Joint accounts: Not allowed: sole names onlyFrom UBL UK's website, checked 3 November 2026
Ways to pay in: bank transfer and chequeFrom UBL UK's website, checked 3 November 2026
Minimum to open: £2,000From UBL UK's website, checked 3 November 2026
Charges or lost interest: Early withdrawal in full only (no partial withdrawals); charge of 135 days' gross interest, taken from accrued interest first then from the deposit; no charge if cancelled within 14 days of fundingFrom UBL UK's website, checked 3 November 2026
Accepts ISA transfers in: YesFrom UBL UK's website, checked 3 November 2026

"Not stated" means neither the bank's Summary Box nor the pages we checked said; it doesn't mean no. The bank's terms and conditions are the full agreement.

Can I open this?

Tick what applies to you to compare it with the conditions the bank states. Nothing you tick leaves this page.

Your age 16 or 17 18 or over

Do you live in the UK? Yes No

Already a UBL UK customer? Yes No

How you'd like to open it In the app Online In a branch

Account holders I want a joint account

This compares your answers with the conditions the bank states; it isn't a decision. UBL UK decides who can open the account, and runs its own checks when you apply.

Who holds your money

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)

FSCS protection

Up to £120,000 per person is protected across everything you hold with United National Bank Limited.

Check your total protection

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Rate history

No change since tracking began.

Don't miss the end date

The term ends after 18 months. Add a reminder two weeks before. It goes straight into your calendar; we keep nothing.

Go to UBL UK to apply

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