Can I access my Fixed Term ISA pot before the term ends?

Yes, you can access your Fixed Term ISA pot early by breaking the fixed term and paying an interest charge. Once you break the term, you can withdraw the full balance to your linked bank account or move it into an Access ISA pot. The Access ISA pays a variable rate and lets you take money out whenever you need.

Important. There is a 14-day cancellation period, but it only applies when you first open your Smart ISA. It does not apply to individual Fixed ISA Pots, and it does not reset when you open a new pot. Please refer to your Smart ISA Terms and Conditions for further information.

The interest charges are:

• 1 year fixed term: 90 days of interest

• 2 year fixed term: 180 days of interest

• 3 year fixed term: 270 days of interest

• 4 year fixed term: 320 days of interest

• 5 year fixed term: 365 days of interest