Instant Access Cash ISA
Disclaimer: The rates shown are for information purposes only. Although endeavours have been made to provide accurate and timely information, Investment Sense Ltd cannot be held responsible for any errors or omissions of the information supplied.
All rates are subject to change without notice, please check with the bank or building society before investing. With fixed term notice savings accounts you can’t usually withdraw your money until the notice term has ended. Penalties may apply.
Eligible deposits are protected by the Financial Services Compensation Scheme ‘FSCS’ up to a maximum level of £85,000 per person per registered institution.
Scottish Building Society Loyalty Cash ISAExisting customers ISA accounts opened before tax year 2012/2013. See Scottish Building Society website for other Loyalty rates
Earl Shilton Building Society Instant Access Cash ISAThis account can only be opened by existing members or by people living within the post code areas of LE, CV9-13 inclusive and DE11-15
Al Rayan Bank Instant Access Cash ISA – Issue 2Expected Profit Rate
Swansea Building Society Cash ISAYou must be resident in Wales to open this account
Charter Savings Bank Easy Access Cash ISA – Issue 19
Furness Building Society Everyday Cash ISA – Issue 2
Newbury Building Society Easy Access Cash ISAThis account is for existing members and/or Locals who reside in post code areas AL, BA, BH, BN, BS, DT, E, EC, EX, GL, GU, HA, HP, HR, KT, LU, MK, N, NN, NW, OX, PO, RG, RH, SE, SG, SL, SM, SN, SO, SP, SW, TA, TW, UB, W, WC, WD, WR
Tipton & Coseley Building Society Branch ISA – Issue 4
Virgin Money Easy Access Cash ISA Exclusive – Issue 1This account is open to customers with a current account from Virgin Money, Clydesdale Bank or Yorkshire Bank (apart from Virgin Essential Current Account or any account opened with Northern Rock).
Cynergy Bank Online ISA – Issue 7This account is for existing customers only
Instant Access Cash ISA
Instant Access Cash ISAs (Individual Savings Accounts) are an ideal place to start saving as the interest received is tax-free.
Cash ISA accounts are available that allow you to save on a monthly basis or by investing a lump sum; however the amount you can save in ISAs is subject to a limit each tax year. You cannot carry over any unused allowance from one year to the next.
As with other types of savings accounts there are ISAs available that offer instant access, require you to give notice to withdraw your money or offer a fixed rate of interest for a period of time. Each option will offer a different rate of interest, typically the longer you tie up your money the better the rate of interest will be.
Instant Access Cash ISAs often offer an initial bonus rate to encourage you to open the account. After a prescribed period of time the bonus interest rate will come to an end and your rate will drop, often to an uncompetitive rate of interest. If your Instant Access Cash ISA has an initial bonus rate make sure you shop around when the bonus ends to make sure you are getting the most competitive rate possible.
We make it very clear on our tables whether an account includes a bonus rate or not.
Launched in April 1999, ISAs replaced Personal Equity Plans (PEPS) and the Tax-Exempt Special Savings Accounts (TESSAs). ISAs were designed to attract a wider audience and simplify savings and investments.