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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 Logo
    Paragon Bank Easy Access Cash ISA (Issue 5) FSCS logo
    FSCS logo
    AER
    1.25%
    Account Type
    Cash ISA
    Notice / Term
    None
    Interest Paid
    Anniversary
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    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
  • Paragon Bank Logo
    Paragon Bank Easy Access Cash ISA (Issue 5) FSCS logo
    FSCS logo
    AER
    1.25%
    Account Type
    Cash ISA
    Notice / Term
    None
    Interest Paid
    Monthly
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    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
  • Nationwide BS Logo
    Nationwide BS Instant ISA Saver Issue 17 FSCS logo
    FSCS logo
    AER
    0.40%
    Account Type
    Cash ISA
    Notice / Term
    Instant
    Interest Paid
    Yearly
    Opening Account
    Available Online Available At Branch Not Available By Mail Not Available By Telephone Available By Mobile
    Managing Account
    Available Online Available At Branch Not Available By Mail Not Available By Telephone Available By Mobile
    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
  • Scottish BS Logo
    Scottish BS Loyalty Cash ISA FSCS logo
    FSCS logo
    AER
    1.65%
    Account Type
    Cash ISA
    Notice / Term
    Instant
    Interest Paid
    Yearly
    Opening Account
    Not Available Online Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Not Available Online Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    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
  • Scottish BS Logo
    Scottish BS Loyalty Cash ISA FSCS logo
    FSCS logo
    AER
    1.55%
    Account Type
    Cash ISA
    Notice / Term
    Instant
    Interest Paid
    Yearly
    Opening Account
    Not Available Online Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Not Available Online Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    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
  • Scottish BS Logo
    Scottish BS Loyalty Cash ISA FSCS logo
    FSCS logo
    AER
    1.50%
    Account Type
    Cash ISA
    Notice / Term
    Instant
    Interest Paid
    Yearly
    Opening Account
    Not Available Online Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Not Available Online Available At Branch Available By Mail Not Available By Telephone Not Available By Mobile
    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
  • Virgin Money Logo
    Virgin Money Double Take E-ISA Issue 9 FSCS logo
    FSCS logo
    AER
    1.46%
    Account Type
    Cash ISA
    Notice / Term
    None
    Interest Paid
    Monthly
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    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
  • Virgin Money Logo
    Virgin Money Double Take E-ISA Issue 9 FSCS logo
    FSCS logo
    AER
    1.46%
    Account Type
    Cash ISA
    Notice / Term
    None
    Interest Paid
    Yearly
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    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
  • Virgin Money Logo
    Virgin Money Man Utd Double Take E-ISA Issue 8 FSCS logo
    FSCS logo
    AER
    1.46%
    Account Type
    Cash ISA
    Notice / Term
    None
    Interest Paid
    Monthly
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    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
  • Virgin Money Logo
    Virgin Money Man Utd Double Take E-ISA Issue 8 FSCS logo
    FSCS logo
    AER
    1.46%
    Account Type
    Cash ISA
    Notice / Term
    None
    Interest Paid
    Yearly
    Opening Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    Managing Account
    Available Online Not Available At Branch Not Available By Mail Not Available By Telephone Not Available By Mobile
    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

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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Comparing Instant Access Cash ISAs

Leanne Macardle

Leanne Macardle

Editor

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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