Fixed rate cash ISAs
Fixed rate ISAs to help you make the most of your tax-free allowance
Why a Triodos fixed rate ISA?
Compare our fixed rate ISAs
Triodos Fixed Rate Cash ISA
Put your savings to good use and earn tax-free interest while enjoying a fixed interest rate.
Summary Box
Everything you need to know about the Triodos Fixed Rate Cash ISA, including key features.
Choose your account and apply
Start saving with Triodos today. Don't forget to read the Summary Box before applying.
Transfer an ISA
Transfer an existing ISA to a Triodos ISA, or between Triodos ISAs, without losing your tax-free ISA status.
FAQs
ISAs let you save or invest up to £20,000 tax free each tax year. If you still have some of your ISA allowance remaining for the 2018/19 tax year (which ends on 5 April 2019), then use the table below to find out the cut-off date for you to invest or save, and make the most of your ISA allowance.
Existing Cash ISAs including Junior ISAs
- Paying by cheque: Midday Friday 5 April
- Paying by electronic transfer: 6.30pm Friday 5 April
Existing Stocks & Shares ISAs (must be accompanied by a completed top-up form)
- Paying by cheque: Midday Monday 25 March
- Paying by electronic transfer: 10.00am Thursday 4 April
New Cash ISA
- Online application and electronic funds transfer: Wednesday 3 April
- Paper application with opening deposit cheque: Midday Friday 5 April
New Junior Cash ISA
- Paper or printed online application with opening deposit cheque and suitable ID: Midday Friday 5 April
New Stocks & Shares ISA – paper application
- Paying by cheque: Midday Monday 25 March
- Paying by electronic transfer: 10.00am Thursday 4 April
For electronic transfers please check with your sending bank to ensure your payment will reach us by our deadlines for this tax year as stated above.
Payments that reach us after these cut-off dates and times will still be processed, but will count towards your subscription for the tax year 2019/20.
If you hold a Triodos Fixed Rate Cash ISA, you cannot pay into that account if it has been open for more than 60 calendar days.
Declare your ISA eligibility
If you haven’t put money into your ISA for a whole tax year, then you’ll need to re-declare your eligibility before you can pay into your ISA. The easiest way to do this is in Triodos Internet Banking – go to ‘Account Management’, and select ‘ISA Declaration Management’.
If you don’t have Internet Banking, you can download an ISA declaration form or request one by calling us on 0330 355 0355 (8.00am – 6.00pm Monday to Friday. Calls may be recorded for training and monitoring purposes).
By completing an application for any of our accounts online you are automatically registered for Internet Banking and can manage your account online.
If your application was made by post then Internet Banking access is available for the following accounts:
- Triodos Saver
- Triodos Cash ISA
- Triodos Regular Saver
- Triodos Fixed Regular Saver
- Triodos Online Cash ISA (TOISA)
You can also access the Triodos Right Start Saver account online but you can't make payments from this account.
If you want to apply to manage your existing Triodos account online, download the application form below or call us on 0330 355 0355 and we'll send you one. Before completing an application form please ensure you have read our Terms and Conditions for personal savings accounts below.
We will write to you one month before your fixed rate cash ISA matures, asking you to let us know what you’d like to do with your funds. If you have Internet Banking you will be able to give us your instruction online up to 12 midnight the day before your fixed rate cash ISA matures, choosing between a number of Triodos cash ISAs. If you do not have Internet Banking you will need to complete the form that will be enclosed with our letter.
If you want to do anything other than keep the full balance in a Triodos cash ISA (for example, to reinvest part of your funds in another Triodos cash ISA or transfer funds to your nominated account) you will need to send us a written instruction quoting the reference ‘FRISA TERM END’.
If we don’t hear from you, the account will automatically mature and change into a Triodos Cash ISA, keeping the same account number as your fixed rate cash ISA. You will then be able to keep the funds in the Triodos Cash ISA, transfer the funds to another ISA (using a transfer form to retain the ISA status of the funds) or transfer the funds to your nominated account. If you want to make further deposits into the Triodos Cash ISA, you will need to complete an ISA declaration form.
For further details on the options available please see the range of cash ISA products we currently offer or email us at contact@triodos.co.uk or call us on 0330 355 0355 or 0117 973 9339 and our Contact Team will be happy to provide you with this information.
We will write to you one month before your fixed rate cash ISA matures, asking you to let us know what you'd like to do with your funds. If we don’t hear from you, the account will automatically mature and change into a Triodos Cash ISA, keeping the same account number as your fixed rate cash ISA. You will then be able to keep the funds in the Triodos Cash ISA, transfer the funds to another ISA (using a transfer form to retain the ISA status of the funds) or transfer the funds to your nominated account. If you want to make further deposits into the Triodos Cash ISA, you will need to complete an ISA declaration form.
The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance. The ISA allowance for the 2018/19 tax year is £20,000.
Yes. We will write to you one month before your fixed rate cash ISA matures, asking you to let us know what you'd like to do with your funds. You can then ask us to change your fixed rate cash ISA into another Triodos cash ISA, when it matures.
Alternatively, during the fixed term of your Triodos Fixed Rate Cash ISA, you can request to change your Fixed Rate Cash ISA into another Triodos cash ISA, but you will incur a 'breakage charge' as per the terms and conditions. The ‘breakage charge’ is equivalent to:
- 2 year term – 180 days' interest
- 3 year term – 270 days' interest
The charge will be taken from the account balance, so the balance in your new type of Triodos cash ISA might be less than originally deposited in your Fixed Rate Cash ISA.
There is no charge when changing to a different type of Triodos cash ISA on maturity.
For more details, see our how-to guide below on changing your cash ISA to a different type of Triodos cash isa.
You can open more than one Triodos Fixed Rate Cash ISA. You are only able to subscribe to one cash ISA per tax year.
Yes you can. As long as your deposits are received within the 60 days allowed, if you open your account close to the tax year end you may be able to subscribe into your Fixed Rate Cash ISA for two consecutive tax years. You will need to check the date your last deposit is allowed, this will be detailed on your account opening letter.
Yes you can transfer other cash ISAs into a Triodos Fixed Rate Cash ISA. You can transfer previous and current years subscriptions held in another cash ISA. Transfers must be complete and funds received into your Triodos Fixed Rate Cash ISA within 60 days from account opening.
If you attempt to pay into your Triodos Fixed Rate ISA after your 60 days the deposit will be automatically rejected. We will send the funds back to the account they came from.
Welcome to positive change
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.
This is sustainable banking
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