Best Instant & Easy Access Cash ISAs

We found 130 products

Home ISA Instant Access Cash ISAs

What are instant access cash ISAs?

Instant access cash ISAs are tax-free savings accounts that usually allow savers to have instant access to their cash. They normally allow unlimited further additions which make them ideal for those wanting to regularly add to their savings, and withdrawals and transfers out can typically be made without penalty. View today's best rates below or read our Instant Access Cash ISA guide to learn more.

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Best rates - Instant access cash ISAs

Paragon Bank Easy Access Cash ISA (Issue 5)

AER

1.25%

Account Type
Cash ISA

Notice / Term
None

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.25% paid at £1

AER 1.25% paid at £1

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Paragon Bank Easy Access Cash ISA (Issue 5)

AER

1.25%

Account Type
Cash ISA

Notice / Term
None

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.24% paid at £1

AER 1.25% paid at £1

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Nationwide BS Instant ISA Saver Issue 17

AER

0.40%

Account Type
Cash ISA

Notice / Term
Instant

Interest Paid
Yearly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 0.30% paid at £1, 0.40% paid at £10K, 0.50% paid at £50K

AER 0.30% paid at £1, 0.40% paid at £10K, 0.50% paid at £50K

Interest Paid Yearly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Scottish BS Loyalty Cash ISA

AER

1.65%

Account Type
Cash ISA

Notice / Term
Instant

Interest Paid
Yearly

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.65% paid at £1

AER 1.65% paid at £1

Interest Paid Yearly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

Existing Customers (who have held an ISA prior to tax year 2012/13)

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes Transfers in are not permitted for new customers.

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.
Scottish BS Loyalty Cash ISA

AER

1.55%

Account Type
Cash ISA

Notice / Term
Instant

Interest Paid
Yearly

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.55% paid at £1

AER 1.55% paid at £1

Interest Paid Yearly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

Existing Customers (ISA accounts opened in tax year 2012/13)

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes Transfers in are not permitted for new customers.

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.
Scottish BS Loyalty Cash ISA

AER

1.50%

Account Type
Cash ISA

Notice / Term
Instant

Interest Paid
Yearly

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.50% paid at £1

AER 1.50% paid at £1

Interest Paid Yearly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

Existing Customers (ISA accounts opened in tax year 2013/14)

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes Transfers in are not permitted for new customers.

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.
Virgin Money Double Take E-ISA Issue 9

AER

1.46%

Account Type
Cash ISA

Notice / Term
None

Interest Paid
Monthly

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.45% paid at £1

AER 1.46% paid at £1

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
2 withdrawals per calendar year.

Further Additions Allowed

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.
Virgin Money Double Take E-ISA Issue 9

AER

1.46%

Account Type
Cash ISA

Notice / Term
None

Interest Paid
Yearly

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.46% paid at £1

AER 1.46% paid at £1

Interest Paid Yearly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
2 withdrawals per calendar year.

Further Additions Allowed

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.
Virgin Money Man Utd Double Take E-ISA Issue 8

AER

1.46%

Account Type
Cash ISA

Notice / Term
None

Interest Paid
Monthly

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.45% paid at £1

AER 1.46% paid at £1

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
2 withdrawals per calendar year.

Further Additions Allowed

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.
Virgin Money Man Utd Double Take E-ISA Issue 8

AER

1.46%

Account Type
Cash ISA

Notice / Term
None

Interest Paid
Yearly

Opening Account

Managing Account

Rates

Access

Information

Opening Restrictions

ISA Information

Additional Information

Rates

Rate 1.46% paid at £1

AER 1.46% paid at £1

Interest Paid Yearly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1

Max Investment £0

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
2 withdrawals per calendar year.

Further Additions Allowed

Information

Min Age 16

Max Age 0

Taxation
Interest is paid tax free

Opening Restrictions

N/A

ISA Information

Transfers In - Cash ISAs

Transfers In - Stocks & Shares ISAs

Transfers In - Help to Buy ISAs

Additional Permitted Subscription ISA

Transfer Notes -

Flexible Rules Apply

Split ISA Allowance Between Different ISAs With Same Provider

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Select a Savings Category

Note

Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme up to a maximum level of protection of £85,000 per person per institution.

Disclaimer

All rates subject to change without notice. Please check all rates and terms before investing or borrowing.

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Our instant access cash ISAs comparison chart is an easy way of comparing all the instant access cash ISAs available on the market, making it quick and simple to see which one could be right for you. The chart lists all the products in an easy-to-read format, starting with those that can be applied for directly by clicking on the ‘Go To Provider’s Site’ button. Under these, the accounts are arranged in descending order to show the highest rates first and the lowest rates at the bottom. The chart can be easily refined according to your specific criteria, for example by changing the investment amount, investment type and account management and opening options, as well as by letting you see the top-paying accounts first, with or without a link.

How to choose the right instant access cash ISA for you

When choosing the right instant access cash ISA there are many factors that need to be taken into consideration. Along with considering the interest rate being offered, it’s also important to look at factors such as the minimum investment needed and how the account can be opened and managed, as these will have an impact on the suitability of the account. Make sure to check the withdrawal restrictions, too – while many instant access ISAs allow unlimited access to funds, some have stricter rules in place, so always check the finer details of any account before making your decision.

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Best Instant & Easy Access Cash ISAs

We found 130 products

What are instant access cash ISAs?

Best rates - Instant access cash ISAs

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

ISA Information

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

ISA Information