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Two Year Fixed-Rate ISA
Tax-free savings with long term growth and gospel impact.
Choose a longer commitment and enjoy an even greater return on your savings. This two-year Cash ISA is designed for those planning ahead who want to maximise their tax-free allowance while making a lasting difference.
Your savings help fund mortgages for churches across the UK, enabling ministries to grow and thrive.
Account information
| Interest rate | 1.50% Gross/AER |
|---|---|
| Interest accrual | Calculated daily, paid annually. Fixed for the term. |
| Deposit method | Online banking, card payment, standing order, or post. |
| Minimum balance | £2,000 minimum balance |
| Withdrawal notice period | N/A |
| Withdrawal Terms/Number of withdrawals allowed | No withdrawals permitted during the fixed term. |
| Withdrawal methods | After 12 months, we will contact you to explain your options and explore your next steps. |
| Withdrawal destination | Pre-nominated bank account in the same name as the account holder. |
|
Interest illustration This assumes that you do not withdraw any money and that interest is paid into this account. It also assumes the interest rate stays the same and no additional money is added. |
If you deposit £2,000 when you open the account, the balance after 12 months will be £2,030. |
| Eligibility | You must be aged 18 or over, a UK resident, and have a National Insurance number. |
£ 122.2 million
Saved with us in 2024.
Protected savings with a purpose
With FSCS protection and full FCA and PRA regulation, your savings are safe with us. Our interest rates ensure you earn predictable returns and, as a Christian bank, we ensure your savings are invested in gospel causes.
Ethical investment in Christian mission
We only invest in Christian causes with gospel purpose. From church building projects to property purchases, your savings support gospel growth. And, when you need them, we’ll return your savings with interest.
Personalised and friendly support
Say goodbye to frustrating call waiting times. Our friendly staff are passionate about helping you put your savings to work for the gospel. We’ll guide you through your savings options and help you set up your first deposit.
Open your account today
Start saving with purpose and join us in growing God's Kingdom.
Important documents
We would recommend you familiarise yourself with these documents.
Two Year Fixed-Rate ISA
Frequently asked questions
No, as this account pays a fixed rate of interest. The product rates for new accounts may change from time to time, but your fixed rate will remain until the maturity of the product.
Deposits can be added at any time via online banking, standing order or post
Information can be requested via online banking or over the phone. If you would like to make a withdrawal, this can be arranged via online banking, over the phone or by post.
You can open and hold multiple ISAs in the same tax year, but total contributions across all ISA’s for 2025/26 must stay within the £20,000 limit.
It is not possible to withdraw funds during the term of the deposit. After 24 months, we will contact you to explain your options and explore your next steps.
Any money you move to an account that is not an ISA will lose its tax-free status.
All withdrawals must be made to an account in the same name.
No charges apply to this account (except for those referred to in our Terms and Conditions, where we permit early withdrawal at our discretion with charges on transfer before notice period served).
Yes. Kingdom Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. All eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person.
Explore our other
Cash ISAs
32-Day Notice Cash ISA
1.70% Gross/AER
£1 minimum balance
Earn tax-free interest while saving in a way that actively supports gospel work across the UK. With just 32 days’ notice required for withdrawals, this ISA is ideal for those who want to remain intentional about their savings while keeping future plans within reach.
2 Year Fixed-Rate ISA
1.50% Gross/AER
£2,000 minimum balance
This two-year Cash ISA is designed for those planning ahead who want to maximise their tax-free allowance while making a lasting difference.