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This comparison simply includes all savings accounts.

Hampshire Trust Bank
Fixed Rate Cash ISA Hampshire Trust Bank
Min deposit £1
Term 3 years
Interest AER 2.16%

Why we like it: Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2021. Must be UK resident and be aged 18 or older. No withdrawals permitted

Leeds Building Society
Fixed Rate Cash ISA Leeds Building Society
Min deposit £100
Term 5 years
Interest AER 2.00%

Why we like it: Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 365 days lost interest

Leeds Building Society
Fixed Rate Cash ISA Leeds Building Society
Min deposit £100
Term 3 years
Interest AER 1.85%

Why we like it: Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 240 days lost interest

Leeds Building Society
Fixed Rate Cash ISA Leeds Building Society
Min deposit £100
Term 2 Years
Interest AER 1.75%

Why we like it: Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 150 days lost interest

Leeds Building Society
Fixed Rate Cash ISA Leeds Building Society
Min deposit £100
Term 1 Year
Interest AER 1.50%

Why we like it: Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 60 days lost interest

Leeds Building Society
Online Easy Access Cash ISA Leeds Building Society
Min deposit £1000
Term Instant Access
Interest AER 0.71%

Why we like it: Interest paid annually. Unlimited deposits and withdrawals. ISA transfers also allowed in. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older

Nationwide
1 Year Triple Access Online ISA Nationwide
Min deposit £1
Term Easy Access or up to 1 Year
Interest AER 1.00%

Why we like it: Make up to three withdrawals during the 12-month term of this account. Tax free ISA account. Open with £1 or transfer in existing ISA funds. Invest up to £20,000 per tax year. Manage your account online. Interest paid at maturity. FSCS Protected. Must be UK resident and aged 16 or older. Make more than three withdrawals and the rate drops to 0.01% AER/gross p.a. (variable). Not available in branch

Nationwide
Instant ISA Saver Nationwide
Min deposit £1
Term Instant Access
Interest AER Up to 0.05%

Why we like it: Instant ISA Saver is designed for those that want the convenience of a tax-free cash ISA with instant access. Earn 0.01% AER (variable) on balances between £1 and £9,999, 0.03% AER (variable) on balances between £10,000 and £49,999, and 0.05% (variable) AER on balanced over £50,000

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

Latest news

Top 3 picks for current accounts in 2021

Over 5.1 million UK bank and building society customers have switched their bank accounts using the free (and guaranteed) current account switching service which simplifies the process for customers. Read More »

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