Make up to one withdrawal during the 12-month term of this account.
Why we like it
Flexible ISA: Withdraw money from your ISA account and pay it back in later. It will not affect your annual allowance, if it's done in the same tax year. Open from just £1 or transfer in existing ISA funds. Manage your account online. FSCS Protected. The interest rate is variable and can go up or down
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with NatWest Bank per tax year. You must hold the account solely in your name. NatWest’s FRISA rates are 4.10% AER/Tax-free p.a. (fixed) for 1 year and 3.80% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 5th June 2025 for new customers and 10th June 2025 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 24th June 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with Royal Bank of Scotland per tax year. You must hold the account solely in your name. Royal Bank of Scotland's FRISA rates are 4.10% AER/Tax-free p.a. (fixed) for 1 year and 3.80% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 5th June 2025 for new customers and 10th June 2025 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 24th June 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA, you will not be able to make any further payments for that tax year into any other cash ISA with Royal Bank of Scotland or NatWest. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Details
Interest Paid
Monthly
Maximum Balance
Not applicable
Minimum Age
18
UK Resident
Yes
Instant Access Cash ISA
Interest AER4.07%
Min deposit£1
TermInstant Access
Instant Access Cash ISAWealthify, an Aviva company
Flexible ISA: Withdraw and replace funds without affecting your annual ISA allowance
Why we like it
4.07% AER 4.00% tax-free p.a (variable), interest paid monthly. Unlimited deposits and withdrawals. ISA transfers also allowed in. FSCS Protected. Tax treatments depend on your individual circumstances and may change in the future. Powered by ClearBank: Wealthify will provide the day-to-day servicing of the account with ClearBank providing the account itself
Unlimited deposits and withdrawals. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. After 12 months the interest rate changes to 1.25% AER variable. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK. FSCS Protected
Make up to three withdrawals during the 12-month term of this account. ISA transfers in allowed. Invest up to £20,000 per tax year. Manage your account online. Make more than three withdrawals and the rate drops to 1.50% AER/gross p.a. (variable). Not available in branch. FSCS Protected.
If you wish to access a fixed interest rate without necessarily tying up your money for a set period of time, you may want to open an Instant Access ISA.
An Instant Access ISA is an account that you can use to put your savings in and make your savings work harder for you.
An Instant Access ISA account has both the advantages of an ISA and some of the flexibility of an instant cash savings account.
If choose to open an Instant Access ISA, you will be able to withdraw as much as you like from the account, and providing you replace it within the same tax year it will not count towards your annual ISA allowance.
The ability to access your savings whilst enjoying competitive interest may help you to achieve your savings goals. Find our savings rates table above forthe latest interest rate deals.
Features of an Instant Access ISA
You may benefit from opening an Instant Access ISA:
No income tax – unlike other financial products the interest you earn in your ISA is not subject to tax
Easy access – If you wish to open an Instant Access ISA, as opposed to a fixed rate cash ISA, you will benefit from competitive interest as well as easy access to your money, should you need it
No need to declare – you are not obliged to declare your cash ISA or any interest you get from your ISA on your tax return
Straightforward transfers – you have the option to transfer your cash ISA to another provider if you find a better interest rate
