Fixed Rate Cash ISA | Ethical Savings Accounts

Earn a fixed, tax-efficient return while funding a better future

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Put your savings to good use and earn tax-free interest while enjoying a fixed interest rate

Everything you need to know about the Triodos Fixed Rate Cash ISA, including key features.

What is the interest rate?

Interest rate is fixed for the term:

Term	2 Year
Rate	3.94% tax free/ 3.94%AER*

Interest is calculated daily and paid annually in January and on maturity and added to the account.

Can Triodos Bank change the interest rate?

No – the interest rate is fixed when the account is opened. The fixed term starts from when the initial deposit is received.
Rates may change between the time the application is made and the time the account is opened.

What would the estimated balance be on maturity based on a £1,000 deposit?

Term	2 Year
Balance	£1,080.35

This estimate is based on £1,000 being deposited at account opening, no further deposits or withdrawals being made and interest being added to the account annually and at maturity. This projection is for illustrative purposes only and does not take into account your personal circumstances.

How do I open and manage my account?

Can be opened by any UK resident aged 18 or over.
The account can only be opened in the Triodos Mobile Banking App.
Sole accounts only, cash ISAs cannot be held in joint names.
You will need to provide details of a nominated account for payment of the opening deposit and for receipt of payment at maturity or closure. This must be a sterling account with another UK bank or building society or another Triodos Bank UK account in your name.
The minimum opening deposit is £1 and must be made by electronic transfer from the nominated account or from an existing Triodos UK (non ISA) account.
In addition to making deposits that count towards the ISA annual subscription allowance, existing Triodos UK or other providers’ ISAs can be transferred in.
The full deposit, including any ISA transfers, must be received within 60 calendar days of the account opening, after that, no more money can be added. So please start any ISA transfer requests early to ensure we can receive funds from your existing provider in time.
There is no maximum balance, but the maximum current year’s subscriptions should not be more than the current tax year’s ISA allowance of £20,000 (2025/26 tax year).
The account can be viewed online.

Can I withdraw money?

From the date your account is opened there is a 30 day cancellation period when you can cancel your Fixed Rate ISA and any money you have paid will be returned without penalty. Once the cancellation period has ended withdrawals are not allowed.
The only exception to this is if you close the account completely or transfer the full balance to another ISA. This will result in an early access charge equivalent to 180 days’ interest which will be taken from the account balance, so if you haven't earned enough interest you may get back less than originally deposited.
This ISA is not a flexible ISA.

Additional information

A minimum of 30 calendar days before the fixed maturity date we will contact you to inform you of your options. At maturity the Account will automatically be changed to an instant access variable rate cash ISA unless you advise us to do something differently.

*The tax advantages of ISAs depend on your individual circumstances and the tax treatment of ISAs may change in the future.

** AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

> Download the Key Features for the Triodos Two Year Fixed Rate Cash ISA

Paying into a Triodos ISA in the 2025/26 tax year

There's still time to open or pay into an ISA for the 2025/26 tax year. You can open an account or pay into your ISA to start saving for the 2026/27 tax year from 6 April 2026.

Application deadlines for new ISAs

Triodos ISA type	Application type	Application deadline 2026
Online Cash ISA	Triodos Mobile App	Thursday 2 April
Fixed Rate Cash ISA	Triodos Mobile App	Thursday 2 April
Stocks and Shares ISAs	Triodos Mobile App	Thursday 2 April
Innovative Finance ISA	Triodos Crowdfunding website application	12pm (midday) Wednesday 1 April

In most cases ISAs will be opened on the same day. If we need more information, it may take longer. Please apply for new ISAs as early as possible to ensure you can make your 2025/26 subscription before the deadline. If we need further information, the account might not be open in time.

Once your account is open you will receive your account details so you can make your ISA subscription for 2025/26 tax year.

If you request an ISA transfer before the end of the tax year, please note that Cash ISA transfers can take up to 14 days and Stocks and Shares ISA transfers can take up to 30 days. If your ISA transfer cannot be completed before the end of the tax year it will not affect your subscription allowance. Any subscriptions that were made to your ISA in the 2026/2027 tax year will be applied as previous tax year subscriptions if your transfer completes after 6 April.

Payment deadlines for new and existing ISAs

Triodos ISA type	Payment type	Payment receipt deadline 2026
Cash ISAs including Junior Cash ISAs and Fixed Rate Cash ISAs	Bank transfer	6:00pm Thursday 2 April*
Cash ISAs including Junior Cash ISAs	Cheque**	Midday Thursday 2 April
Stocks and Shares ISA	Bank transfer into your Stocks and Shares ISA Cash Account	6:00pm Thursday 2 April*
Innovative Finance ISA	Bank transfer into your Innovative Finance ISA	3:00pm Thursday 2 April

*Bank transfers made between 6:00pm on Thursday 2 April and 11:59pm on Sunday 5 April 2026 will most likely count towards your 2025/26 ISA allowance, but this can’t be guaranteed. Payments that credit your account after midnight will count towards your subscription for 2026/27 tax year.
** Please note, Online Cash ISAs and Fixed Rate Cash ISAs do not accept cheques.

Transfer an existing ISA to a Triodos ISA, or between Triodos ISAs, without losing your tax-free ISA status.

Saving with Triodos is different. We lend our savers' money only to organisations that make a positive impact on society and the environment. So, while you earn interest, your money works for positive change.

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What is the interest rate?

Can Triodos Bank change the interest rate?

What would the estimated balance be on maturity based on a £1,000 deposit?

How do I open and manage my account?

Can I withdraw money?

Additional information

Application deadlines for new ISAs

Payment deadlines for new and existing ISAs

Important Documents

FAQs

What is the ISA allowance?

Can I transfer other cash ISAs into a Triodos Fixed Rate Cash ISA?

Can I withdraw money from my notice savings account before the end of the notice period?

Can I withdraw money from my Fixed Rate ISA before the end of the term?

If I open my Triodos Fixed Rate Cash ISA near the tax year end am I able to pay in two years worth of subscriptions?

Can I manage my Triodos account online?

What happens at the end of the Triodos Fixed Rate Cash ISA fixed term?

Can I change a Triodos Fixed Rate Cash ISA into another type of Triodos cash ISA?

What happens if I pay into my Triodos Fixed Rate ISA after the 60 days?