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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.

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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
Coventry BS Logo
Coventry BS Easy Access ISA (Online) (2) FSCS logo
FSCS logo
AER
1.50%
Includes a bonus
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 1.49% paid at £1
AER 1.50% paid at £1
Interest Paid Monthly
Interest payment Interest can be paid away or compounded
Min Opening Amount £1
Max Investment £0
Introductory bonus Rate includes 0.35% bonus until 31.08.2020

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
Coventry BS Logo
Coventry BS Easy Access ISA (Online) (2) FSCS logo
FSCS logo
AER
1.50%
Includes a bonus
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 1.50% 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 Rate includes 0.35% bonus until 31.08.2020

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
1.50%
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 Man Utd Double Take E-ISA Issue 6 FSCS logo
FSCS logo
AER
1.50%
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 1.49% paid at £1
AER 1.50% 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 6 FSCS logo
FSCS logo
AER
1.50%
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 1.50% 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
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 7 FSCS logo
FSCS logo
AER
1.50%
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 1.49% paid at £1
AER 1.50% 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 7 FSCS logo
FSCS logo
AER
1.50%
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 1.50% 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
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.

Quick Links

Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we will may receive a modest commission either when you press a 'Go to Provider' or 'Speak to an Adviser' buttons, when you call an advertised number or when you complete an application.

Still not sure?

Read all Savings and Isa guides
guide icon
A Guide to Cash ISAs

This guide will tell you more about cash ISAs and how they work.

Read More
guide icon
A guide to variable rate ISAs

This guide explains more about ISAs with variable rate interest rates.

Read More
guide icon
How to transfer a cash ISA

This guide explains how to transfer Cash ISAs.

Read More
guide icon
Easy access savings guide

A guide to how easy access savings accounts work.

Read More

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Best Instant & Easy Access Cash ISAs
Provider AER Account Type Notice / Term Min Investment
Scottish BS Logo Scottish BS Loyalty Cash ISA 1.65% Cash ISA Instant £1
Scottish BS Logo Scottish BS Loyalty Cash ISA 1.55% Cash ISA Instant £1
Scottish BS Logo Scottish BS Loyalty Cash ISA 1.50% Cash ISA Instant £1
Coventry BS Logo Coventry BS Easy Access ISA (Online) (2) 1.50% Cash ISA None £1

How our instant access cash ISAs comparison chart works

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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