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Know exactly how much interest you'll earn

The longer you can put your money away for, usually the better your interest rate will be.

Our Fixed Rate accounts pay a fixed rate of interest for a set period of time (usually one to five years), making them ideal for lump sum deposits. In our range we offer Fixed Rate Cash ISAs, Fixed Rate Bonds and a Regular E-Saver account.

What's the difference?

If you're happy putting your money away for at least a year for a definite return, you can save tax-free up to your annual ISA allowance, currently £20,000, with our Fixed Rate Cash ISAs. You're able to access your money during the fixed rate period subject to a charge equivalent to a loss of interest.

If you've already taken advantage of your annual ISA allowance, or simply prefer to opt for a Fixed Rate Bond, this range similarly offers a definite return on your savings.

Want something fixed yet flexible? Our Regular E-Saver offers a fixed rate of interest whilst letting you save monthly (up to £250) and withdraw from your account whenever you like.

Frequently asked questions


Paying interest on the tax earned depends upon the type of account you have and your Personal Savings Allowance.

For general savings, basic rate tax payers won’t pay tax on the first £1,000 of interest they earn. The allowance is £500 for higher rate tax payers, and additional rate taxpayers won’t receive an allowance. With a Cash ISA you can save tax-free up to your annual ISA allowance, currently £20,000. The tax year runs from 6 April to 5 April the following year.

Find out more about Personal Savings Allowance.

The minimum amount required to open an account is £1.

Before your fixed rate period ends, we’ll contact you to let you know what your options are. You will then be able to tell us what you’d like to do when the account matures. If you decide to not do anything, your account will become a Variable Rate account.

Remember, if you open a Fixed Rate Bond or Cash ISA online, we'll ask you to sign in to our Online Service before maturity to tell us what you'd like to do. If you're a Regular Saver customer, you don't need to do anything, your account will become a variable rate account on maturity.

Find a savings account

View and compare our Fixed Rate Savings accounts now.

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Call us to discuss our range of accounts on

0345 600 4466

We're here from 8am to 8pm Monday to Friday, 8am to 4pm Saturdays and 10am to 3pm Sundays.

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03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Other ways to save

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Save with confidence

As we are covered by the Financial Services Compensation Scheme, savings with Virgin Money are covered up to £85,000 per person.

View the FSCS guarantee