1 Year Fixed Rate Cash ISA
4.00% AER / tax-free, plus 0.20% for Lloyds Premier customers
- Rate type
- Fixed for one year
- Access
- Converts to an Instant Cash ISA at the end of the term
- Minimum
- £500
- Withdrawals
- Charges apply
Cash ISA
Lloyds Bank Cash ISA
Lloyds runs fixed-rate and limited-access Cash ISAs, and almost every rate on the range has a condition attached — a Premier current account for the fixed-rate bonus, or a withdrawal limit on the variable accounts. The headline numbers are only what you get if you meet them.
Last updated: 9 September 2026
At a glance
4 ISAs covered
- Fixed, limited-access and instant ISAs
- Rates drop sharply after two withdrawals
- Premier customers get a fixed-rate bonus
The accounts
Lloyds Bank Cash ISAs
Rates and terms as published by Lloyds Bank and read on 9 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.
2 Year Fixed Rate Cash ISA
4.10% AER / tax-free
- Rate type
- Fixed for two years
- Access
- Converts to an Instant Cash ISA at the end of the term
- Minimum
- £500
- Withdrawals
- Charges apply
Limited Access ISA
3.00% AER / 2.96% tax-free, falling to 0.65%
- Rate type
- Variable, withdrawal-linked, interest paid monthly
- Access
- Two or fewer withdrawals a year to keep the headline rate
- Minimum
- £1
- Withdrawals
- A third withdrawal drops the rate to 0.65% for the year
Club Lloyds Advantage ISA Saver
3.00% AER / 2.96% gross, falling to 0.65%
- Rate type
- Variable, withdrawal-linked, interest paid monthly
- Access
- Qualifying Lloyds current account holders only
- Minimum
- £1
- Withdrawals
- A third withdrawal drops the rate to 0.65%
The rules
Eligibility, transfers and protection
- Who can apply
- The Club Lloyds ISA needs a qualifying current account; the Premier fixed-rate bonus needs a Premier account open at least 8 days
- Access
- App, online, telephone and branches
- Transfers in
- Accepted from other providers
- Flexible ISA
- Not stated on the comparison page — confirm before applying
- Deposit protection
- FSCS protected up to £120,000, shared across Lloyds Banking Group brands
- Minimum deposit
- £500 on the fixed-rate ISAs, £1 on the variable ones
Before you commit an allowance
What to check first
- The variable ISAs are limited-access in practice. Two withdrawals a year keeps 3.00%; the third drops you to 0.65% — a fall of more than three quarters, on an account many people would read as easy access.
- The 4.00% one-year rate becomes 4.20% only with a Lloyds Premier current account held for at least eight days. Without one, the two-year account at 4.10% pays more than the one-year.
- Both fixed ISAs need £500 to open, so they are not a home for a small first deposit.
- At the end of a fixed term the money moves into an Instant Cash ISA, which pays far less. Diarise the maturity date rather than letting it roll.
- Lloyds, Halifax and Bank of Scotland share one banking licence, so the £120,000 FSCS limit is shared across all three — holding ISAs at two of them does not double your protection.
A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.
Comparing Lloyds Bank's Cash ISA?
See how it sits against the other UK banks offering a Cash ISA, or read the full review of the bank behind it.