Bank of Scotland Cash ISAs

Compare The Latest Cash ISA Deals

See our selection of the latest Bank of Scotland cash ISA deals.


James Caldwell, Director

Bank of Scotland Cash ISAs

With Bank of Scotland ISAs you can choose a method of saving that suits you, from instant access to fixed rates with a choice of terms. To make the most of your ISA allowance, the highest rates available are usually those with the longest fixed rate terms, which do not allow additional deposits or withdrawals. If you don't have a lot of money to put away or you think you might need access to it, an instant access deal might suit you better, and you can open an account with just £1. Using the 2014/15 Cash ISA allowance you can deposit £15,000 in a cash ISA from 1st July 2014.

Bank of Scotland cash ISAs

Like all Cash ISAs, Bank of Scotland cash ISAs allow you to maximise your savings by not paying tax on the interest you earn. You can also transfer to an Bank of Scotland cash ISA from another provider if your current provider offers lower interest rates.

The Bank of Scotland currently has several cash ISAs available:

  • Access cash ISA
  • Junior cash ISA
  • Fixed rate ISA

Bank of Scotland stocks and shares ISAs

Bank of Scotland also provides stocks and shares ISAs and offers a wide range of funds from which to choose. You can choose based on the level of risk you are comfortable with and the return you are hoping to receive.


Based in Edinburgh, the Bank of Scotland dates back to the 17th century, which makes it the second oldest UK bank after the Bank of England. It was also the first bank in Europe to print its own banknotes and continues to do so to this day.

Bank of Scotland offers a wide range of banking services to its customers, including deposit accounts, loans, mortgages, credit cards and investments. The bank also provides a range of ISA products to its customers to help them save while enjoying significant tax benefits.

Fixed Rate Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
2.50%5 YearsApply Now >
2.50% gross/AER fixed for 5 years. £5,000 minimum opening balance. Transfers in accepted. No early withdrawals permitted.
2.30%1000 DaysApply Now >
2.30% gross/AER fixed for 1,000 days. £5,000 minimum opening balance. Transfers in allowed. No early withdrawals permitted.


Instant Access Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
1.00%Instant AccessApply Now >
Instant access cash ISA open to new and existing customers. Transfers accepted. £10 minimum deposit.
Up to 1.00%Instant AccessApply Now >
Earn 1.00% AER (variable) on balances above £25,000. Online, phone or branch access.
Up to 1.00%Instant AccessApply Now >
Earn 1.00% AER (variable) on balances over £25,000. Online, phone or branch access.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

www.isa.co.uk is a trading name of Fair Investment Company Ltd which is authorised and regulated by the Financial Conduct Authority.