Contact
Search
Close

Popular searches

27 Nov 2025

Investec Save increases 1-Year Fixed Rate Cash ISA to market-leading 4.30% AER*

Investec’s economists predict the Bank of England base rate could fall to 3.25% by the end of 2026.
 

Investec Save has increased the interest rate on its 1-Year Fixed Rate Cash ISA to a market-leading 4.30% AER* from 4.27%% AER*. This is currently one of the highest rates available of any fixed rate cash ISA**.

The 1-Year Fixed Rate Cash ISA enables customers to lock in higher rates for longer, helping them grow their savings and make the most of their tax-free ISA allowance each tax year. It can be opened with a minimum of £1,000 and customers earn tax-free interest on deposits fixed for one year.

Investec Save also recently increased the interest rate on its 1-Year Fixed Rate Saver by 0.4% to a market-leading 4.50% AER*. The Fixed Rate Saver provides simplicity and security for savers.

The Bank of England base rate has been cut three times this year to 4% and further cuts are expected which are likely to lead to further rate reductions by savings providers. Investec’s economists believe that the Bank of England base rate could fall to 3.25% by the end of 2026.

Investec Save research*** shows many savers are taking action to get ahead of potential future base rate cuts by locking in fixed rates now.  Four out of ten (44%) savers with fixed-rate accounts have already increased their savings into additional fixed accounts in anticipation of further base rate cuts over the next few months.

Its range of accounts can be opened online in minutes and are fully managed online with no hidden fees or charges. They include its Fixed Rate Saver with 2-Year or 3-Year terms available offering 4.05% AER*. Interest is paid on maturity of the 1-Year term and annually on the 2-Year and 3-Year terms. No withdrawals are permitted until the end of the term in each case, and no further deposits can be made after the first seven days.

Its 90-Day Notice Saver, which currently offers 4.17% AER*, offers unlimited deposits with withdrawals subject to 90-days’ notice.

The Online Flexi Saver, which currently offers 4.00% AER*, is a simple and secure instant access savings account. Unlimited deposits and withdrawals are allowed. This makes the Online Flexi Saver perfect for unexpected expenses that might arise, such as car maintenance or a vet bill.

 

  • Notes to Editors

    * AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once a year. The AER is intended to be an indicative rate to help you compare the return on different savings products.

    ** https://moneyfactscompare.co.uk/isa/ correct as of November 26th, 2025

    ***  Investec Bank commissioned Viewsbank to survey a nationally representative sample of 1,010 UK adults aged 18-plus between September 12th and 15th 2025


    This press release is issued on behalf of Investec Bank plc. Investec Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 172330. Registered in England and Wales (No. 489604). Registered office at 30 Gresham Street, London EC2V 7QP. Member of the London Stock Exchange.

Find out more information on Investec Save products

Find out more

For further information, please contact:

Charles Clarke

Charles Clarke

Head of Business PR
About Investec Bank

Minimum eligibility criteria and terms and conditions apply. Investec Bank Plc (‘Investec Bank’ or ‘IBP’) is the UK banking subsidiary of Investec, the international financial services group. Investec Bank partners with private, institutional and corporate clients, offering banking and investment services in the UK, Europe and certain other countries.

Investec Bank also offers wealth management services through its strategic partnership with Rathbones Group, the UK’s largest discretionary wealth manager. Investec Bank has operated in the UK since 1992.

As part of the Investec Group, Investec Bank is a purpose-driven organisation, dedicated to its core purpose of creating enduring worth. This means we will always strive to create long-term value for all stakeholders and contribute meaningfully to people, communities and the planet.

It is the principal operating business of Investec Bank plc, a FTSE-250 listed company which holds the Investec Group’s non-Southern African businesses under a dual listed company structure.

Further information can be found at www.investec.com.