Can I access my Fixed Term Cash 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 Easy Access ISA pot. The Easy Access ISA pot pays a variable rate and lets you take money out whenever you need.

Important: There’s a 14-day cancellation period, but it only applies when you first open your Cash ISA, not when you open individual Fixed Term ISA pots. Please refer to your Cash 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