1 Year Fixed Rate Cash E-ISA
4.73% AER / tax-free, fixed until 24 September 2027
- Rate type
- Fixed to a set end date, not a rolling term
- Access
- Until 24 September 2027
- Minimum
- Not published on the ISA results page
- Withdrawals
- Subject to a charge
Cash ISA
Virgin Money Cash ISA
Virgin Money runs three Cash ISAs covering fixed, limited-access and easy-access. The fixed E-ISA pays the highest ISA rate of any provider on this site, but it takes deposits only in the first 30 days and charges for taking money out.
Last updated: 9 September 2026
At a glance
3 ISAs covered
- Highest fixed ISA rate on this site
- Fixed account: 30 days to pay in
- Easy-access ISA is current-account only
The accounts
Virgin Money Cash ISAs
Rates and terms as published by Virgin Money and read on 9 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.
Double Take E-ISA
4.15% AER / tax-free
- Rate type
- Variable
- Access
- Up to two withdrawals per calendar year
- Minimum
- Not published on the ISA results page
- Withdrawals
- Two per calendar year — the name is the rule
M Access ISA
3.25% AER / tax-free
- Rate type
- Variable
- Access
- Money in and out at any time
- Minimum
- Not published on the ISA results page
- Withdrawals
- Unrestricted, but the account is for eligible current account holders only
The rules
Eligibility, transfers and protection
- Who can apply
- The M Access ISA is exclusive to eligible Virgin Money current account holders
- Access
- Online and app, with branch support
- Transfers in
- Accepted — Virgin Money publishes an ISA transfer route
- Flexible ISA
- Not stated on the results page — confirm before applying
- Deposit protection
- FSCS protected up to £120,000, shared with Nationwide — Virgin Money's business transferred to Nationwide on 2 April 2026, so both brands count towards one limit
- Funding window
- The fixed E-ISA accepts deposits only within 30 days of account opening
Before you commit an allowance
What to check first
- The fixed E-ISA is fixed to a date, 24 September 2027, rather than for a year from when you open it. Open it late and you get less than a full year at that rate.
- You can only pay into the fixed E-ISA within 30 days of opening it. After that the account is closed to new money for the rest of the term.
- Taking money out of the fixed E-ISA is subject to a charge.
- The Double Take E-ISA allows exactly two withdrawals per calendar year. It is a limited-access account, not an easy-access one.
- The only ISA here with unrestricted access, the M Access ISA, requires a Virgin Money current account and pays the lowest of the three rates.
- Virgin Money is now part of Nationwide. Its business transferred on 2 April 2026, and Nationwide states that money across all Nationwide and Virgin Money accounts is covered up to a single £120,000 FSCS limit. If you already hold savings with Nationwide, a Virgin Money ISA adds no extra protection.
A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.
Comparing Virgin Money'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.