Instant Access ISAs

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This comparison simply includes all savings accounts.

Most Popular Highest Rate Opening Amount

Fixed Rate Cash ISA

Interest AER 4.60%

Min deposit £1000

Term 2 Years

Fixed Rate Cash ISA RCI Bank

Min deposit £1000

Term 2 Years

Interest AER 4.60%

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Which? Recommended Savings Provider

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Why we like it

ISA transfers in up to a maximum account balance of £1,000,000. FSCS Protected. 180 day interest charge on early withdrawals

Details

Interest Paid	Monthly or Annually
Maximum Balance	£1,000,000
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.60%

Min deposit £1000

Term 1 Year

Fixed Rate Cash ISA Investec Savings

Min deposit £1000

Term 1 Year

Interest AER 4.60%

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Why we like it

ISA transfers in also allowed. Open and manage online. FSCS Protected. Withdrawals permitted subject to 90 days lost interest

Details

Interest Paid	Annually
Maximum Balance	£1,000,000
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.60%

Min deposit £100

Term 5 Years

Fixed Rate Cash ISA Leeds Building Society

Min deposit £100

Term 5 Years

Interest AER 4.60%

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Why we like it

ISA transfers in also allowed. Open online, in branch or by post. FSCS Protected. Withdrawals permitted subject to 365 days lost interest

Details

Interest Paid	Annually
Maximum Balance	Unlimited
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.55%

Min deposit £1

Term 24 Months

Fixed Rate Cash ISA OakNorth

Min deposit £1

Term 24 Months

Interest AER 4.55%

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Why we like it

ISA transfers in also allowed. FSCS Protected. 180 day interest penalty on early withdrawals

Details

Interest Paid	Monthly
Maximum Balance	£500,000
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.55%

Min deposit £1

Term 5 Years

Fixed Rate Cash ISA Hampshire Trust Bank

Min deposit £1

Term 5 Years

Interest AER 4.55%

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Winner of Platinum Feefo Trusted Service Award in 2024

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Why we like it

ISA transfers in also allowed. No withdrawals permitted. FSCS Protected

Details

Interest Paid	Annually
Maximum Balance	£250,000
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.50%

Min deposit £100

Term 1 Year

Fixed Rate Cash ISA Leeds Building Society

Min deposit £100

Term 1 Year

Interest AER 4.50%

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More Information

Why we like it

ISA transfers in also allowed. Open online, in branch or by post. FSCS Protected. Withdrawals permitted subject to 90 days lost interest

Details

Interest Paid	Annually
Maximum Balance	Unlimited
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.50%

Min deposit £100

Term 2 Years

Fixed Rate Cash ISA Leeds Building Society

Min deposit £100

Term 2 Years

Interest AER 4.50%

View deal

More Information

Why we like it

ISA transfers in also allowed. Open online, in branch or by post. FSCS Protected. Withdrawals permitted subject to 180 days lost interest

Details

Interest Paid	Annually
Maximum Balance	Unlimited
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.50%

Min deposit £100

Term 3 Years

Fixed Rate Cash ISA Leeds Building Society

Min deposit £100

Term 3 Years

Interest AER 4.50%

View deal

More Information

Why we like it

ISA transfers in also allowed. Open online, in branch or by post. FSCS Protected. Withdrawals permitted subject to 270 days lost interest

Details

Interest Paid	Annually
Maximum Balance	Unlimited
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.50%

Min deposit £1

Term 3 Years

Fixed Rate Cash ISA Hampshire Trust Bank

Min deposit £1

Term 3 Years

Interest AER 4.50%

View deal

Winner of Platinum Feefo Trusted Service Award in 2024

More Information

Why we like it

ISA transfers in also allowed. No withdrawals permitted. FSCS Protected

Details

Interest Paid	Annually
Maximum Balance	£250,000
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.50%

Min deposit £100

Term 3 Years

Fixed Rate Cash ISA Yorkshire Building Society

Min deposit £100

Term 3 Years

Interest AER 4.50%

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More Information

Why we like it

ISA transfers in also allowed. Tax free interest. FSCS Protected. No withdrawals permitted. Closure permitted with 270 days' loss of interest

Details

Interest Paid	Annually
Maximum Balance	£2,000,000
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.45%

Min deposit £1

Term 2 Years

Fixed Rate Cash ISA Hampshire Trust Bank

Min deposit £1

Term 2 Years

Interest AER 4.45%

View deal

More Information

Why we like it

ISA transfers in also allowed. No withdrawals permitted. FSCS Protected

Details

Interest Paid	Annually
Maximum Balance	£250,000
Minimum Age	18
UK Resident	Yes

Fixed Rate Cash ISA

Interest AER 4.45%

Min deposit £100

Term 2 Years

Fixed Rate Cash ISA Yorkshire Building Society

Min deposit £100

Term 2 Years

Interest AER 4.45%

View deal

More Information

Why we like it

ISA transfers in also allowed. Tax free interest. FSCS Protected. No withdrawals permitted. Closure permitted with 270 days' loss of interest

Details

Interest Paid	Annually
Maximum Balance	£2,000,000
Minimum Age	18
UK Resident	Yes

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Instant Access ISA

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 for the 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