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

Transfer an existing junior ISA or Child Trust Fund into the Triodos Junior Cash ISA, or between your Triodos Junior ISAs, without losing your tax-free ISA status.

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

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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

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 Fixed Rate ISA before the end of the term?

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

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?