Fixed Rate Cash ISA
A Fixed rate ISA to help you make the most of your tax-free allowance
Why a Triodos fixed rate ISA?
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How to apply
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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. You will need to make your application using a smartphone, on the Triodos Mobile App.
Transfer an ISA
Transfer an existing ISA to a Triodos ISA, or between Triodos ISAs, without losing your tax-free ISA status.
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How to transfer an ISA to a Triodos cash ISA
If you already have an ISA with another provider, you can transfer some or all of it to a Triodos cash ISA, without losing your tax-free ISA status.
You can also transfer all or part of your existing Triodos cash ISA to a different Triodos ISA.
- Open a Triodos cash ISA
Already have a Triodos cash ISA? Move onto step two.
You can make a transfer once your Triodos cash ISA is open, so if you don’t have a Triodos cash ISA yet, explore our range of ethical ISAs now to find the right one for you.
- Complete your transfer form
Download the right form below, fill it out and post it to us at:
Freepost TRIODOS BANK
The form tells us which ISA/s you want to move. If you want to transfer more than one, please send us a separate form for each ISA transfer.
The transfer forms are interactive so you can add your details online. However, we need an original signature, so you'll need to print and sign the form before posting it to us.
- We’ll transfer the funds for you
We’ll transfer the funds directly between your ISAs and protect your tax-free ISA status.
Do not move funds out of an ISA yourself, because your money will lose this ISA status.
We’ll let you know when the transfer is complete. The whole process usually takes 14-30 days, so if you want to transfer into a new Fixed Rate ISA please remember that we need to receive the transfer funds within the first 60 days.
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FAQs
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 your money received into your Triodos Fixed Rate Cash ISA within 60 days from account opening.
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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 2024/25 tax year is £20,000. For Junior Cash ISAs, the allowance is £9,000.
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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.
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The notice period has been removed from Triodos Cash ISA, Triodos Saver and Triodos Charity Saver. As a result these are now instant access accounts and no early access penalties will be applied.
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. In exceptional circumstances the early access charge can be waived at our discretion.
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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. In exceptional circumstances the early access charge can be waived at our discretion.
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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.
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By completing an application for any of our Personal Savings 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 Personal Savings accounts:
- Triodos Saver
- Triodos Cash ISA
- Triodos Regular Saver
- Triodos Fixed Regular Saver
- Triodos Charity Saver
You can also access Triodos Right Start Saver and Junior ISA accounts online, but you can't make payments from these accounts.
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.
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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 variable rate cash ISA, keeping the same account number as your fixed rate cash ISA. You will then be able to keep the funds in this account, 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 new cash ISA account, you will need to complete an ISA declaration form.
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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.
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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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