Fixed Rate Cash ISA
4.36% tax-free / 4.45% AER
- Rate type
- Fixed for the term
- Access
- 18-month, 2-year and 3-year terms, all at the same rate
- Minimum
- Not published on the ISA landing page
- Withdrawals
- Check the account terms before applying
Cash ISA
TSB Cash ISA
TSB's fixed-rate Cash ISA pays the same rate across its 18-month, two-year and three-year terms, so the longer locks buy no extra return. Alongside it sits a limited-access ISA where a withdrawal costs you interest for that month, and a Junior Cash ISA.
Last updated: 9 September 2026
At a glance
4 ISAs covered
- One fixed rate across three terms
- Transfers in through the app
- Junior Cash ISA available
The accounts
TSB Cash ISAs
Rates and terms as published by TSB and read on 9 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.
Save Well Limited Access ISA
Published on TSB's rate page
- Rate type
- Variable, interest paid monthly
- Access
- Instant access
- Minimum
- Not published on the ISA landing page
- Withdrawals
- Allowed, but a withdrawal reduces the interest earned for that month
Cash ISA Saver
From 1.10% tax-free / AER
- Rate type
- Variable
- Access
- Instant access
- Minimum
- Not published on the ISA landing page
- Withdrawals
- Check the account terms before applying
Junior Cash ISA
3.15% tax-free / AER
- Rate type
- Variable
- Access
- For under-18s; locked until the child turns 18
- Minimum
- Not published on the ISA landing page
- Withdrawals
- Not available until the child reaches 18
The rules
Eligibility, transfers and protection
- Who can apply
- UK residents; the Junior ISA is opened for a child
- Access
- App, internet banking, telephone and branches
- Transfers in
- Accepted through the app, internet banking, an appointment or a Docusign transfer form. TSB says a Cash ISA transfer takes around 15 days
- Flexible ISA
- Not stated on the ISA landing page — confirm before applying
- Deposit protection
- FSCS protected up to £120,000
- Allowance
- Counts towards the £20,000 annual ISA allowance
Before you commit an allowance
What to check first
- The 18-month, two-year and three-year fixed terms all pay the same rate. There is no reward for tying the money up for longer, so take the shortest term that suits you.
- On the Save Well Limited Access ISA a withdrawal reduces the interest you earn for that month. It is instant access in name, but using it costs you.
- The Cash ISA Saver starts from 1.10%, far below TSB's own fixed rate and below most easy-access ISAs elsewhere on the site.
- TSB says an ISA transfer in takes around 15 days. Start it well before a rate deadline rather than close to one.
- Never withdraw money yourself to move an ISA. Use the transfer service, or the money loses its tax-free status.
A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.
Comparing TSB'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.