Fixed rate cash ISAs
Fixed rate ISAs to help you make the most of your tax-free allowance
Fixed rate ISAs to help you make the most of your tax-free allowance
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.
Start saving with Triodos today. Don't forget to read the Summary Box before applying.
Transfer an existing ISA to a Triodos ISA, or between Triodos ISAs, without losing your tax-free ISA status.
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 2019/20 tax year is £20,000. For Junior Cash ISAs, the allowance is £4,368.
If for any reason you need to withdraw your money earlier than the notice period, you will need to write to us by post or secure message in internet banking.
At our discretion you may have access to your savings without waiting the notice period for Online Cash ISA, 90 Day Notice Online Cash ISA and Cash ISA. However we will charge you the interest due on the amount withdrawn for the part of your notice period for which you have not given notice. So if you withdraw £500 on 15 Calendar Days’ notice from an Account set up on 90 Calendar Days’ notice, then a charge equivalent to the interest you would have earned on that £500 for 75 Calendar Days (i.e. 90 - 15) will be deducted from your Account.
For Fixed Rate ISAs withdrawals are not allowed until maturity. The only exception to this is if you close the account and/or transfer the full balance to another ISA. Early closure will result in an early access charge being applied equivalent to a number of days of interest.
2 year term – 180 days’ interest
3 year term – 270 days’ interest
The charge will be taken from the account balance, so you may get back less than originally deposited.
Instructions given in internet banking to make a payment from your account will only be carried out after the expiry of any notice period on your account. Any attempt to schedule a payment before then will be rejected.
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:
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 firstname.lastname@example.org 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.
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 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.
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:
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.
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.
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.
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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