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Cash ISA Fixed Rate Bonds are a great way to get a guaranteed return on your savings and plan for the future.
When you deposit your savings in a Cash ISA Fixed Rate Bond, you'll enjoy a fixed rate for the duration of the bond. This means you'll get a guaranteed return on your deposit - and all the interest is tax free.
With our straightforward application your account can be open in minutes.
UK residents only. Applicants must be 16 or over to apply. 18 or over to apply online.
UK residents only. 16+. Online 18+. You must hold a National Insurance number. Withdrawal charges apply, based on days until maturity. Deposits possible whilst product on sale up to £20,000 in each tax year (ISA Subscription limit). Interest is calculated daily and credited to the account at maturity or on account closure.
If you already have ISAs with Yorkshire Bank or any other provider, you can transfer them to one of our Cash ISAs at account opening.
After the Cash ISA Fixed Rate Bond has been removed from sale and the funding period has ended, if you have chosen to continue receiving paper statements from us then we will issue a statement to show the amount of your savings.
If you have already opted to 'Go Paperless' you can view your account by using the app or logging on to internet banking. If you register online for internet banking you will be able to see the current balance at any time throughout the term of your Cash ISA Fixed Rate Bond.
The Cash ISA fixed rate bond is designed for savers who don't need to access their funds before the stated maturity date. If you withdraw your money before thatdate, you will have to pay an early withdrawal charge based on the number of days to maturity, and the account will be closed. Full details in the Withdrawals section of the terms and conditions.
|Days to Maturity||Early Repayment Charge|
|1-91||45 days’ interest|
|92-181||90 days’ interest|
|182 -273||135 days’ interest|
|Above 273||180 days’ interest|
How do I deposit into my Cash ISA Fixed Rate Bond?
 AER. Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year. The proceeds of an ISA are free from UK income tax and capital gains tax, provided all ISA conditions are met. The value of any tax benefits to you depends on your individual circumstances, the law and Her Majesty's Revenue and Customs (HMRC) practice which are subject to change.
 Before maturity we will write to you with details of available options. Unless you tell us otherwise, on maturity the Cash ISA FRB will be re-invested into a new Cash ISA FRB of a term closest in length to your original term.
To give you more protection against fraud we have changed the way you verify payments online and via mobile banking.
We need to ensure it’s really you making the payment before the money leaves your account. How you do this depends on whether you’re using:
No, it’s not for every payment. Once saved the person or company you are paying will become ‘Trusted’. That means you may not need to do the identity check again, unless you change details like the sort code, account number, name or reference.
To make payments of more than £500, or totaling more than £1000 per day, you will now need to use the Mobile Banking App to verify your payments.. Business customers using a One-Time Passcode will no longer be able to make payments greater than £500 and will need to use the mobile app to verify payments.Continue to Internet Banking
You may see a difference to when you’re asked to authenticate a payment via Business Internet Banking and the Mobile App, how you do this will remain the same by using:
For more information visit our online help.
Forgot your business internet banking password, we can help.
Just give us a call on 0800 121 4209
Monday – Friday 8am - 6pm and select Option 2.