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Cash ISAs /

Instant Access Cash ISAs

Compare instant access Cash ISA deals
Instant access ISAs offer quick and easy access to your savings. There are a selection of market-leading instant access and easy access ISA options to maximise your tax-free returns.
Deposit Cash ISAs

FTSE 100 Kick Out Deposit Plan

from Investec

ISA Option
Maximum Potential Return 6.00% per annum
  • Deposit Taker: Investec Bank plc
  • Term: Up to 6 years

"By offering full capital protection plus a potential 6% per year, this plan offers the opportunity to beat low savings rates as well as tackle the effects of rising inflation."

  • Opportunity to mature early at year 3, 4 or 5
  • Capital Protected Product*
  • Eligible for the Financial Services Compensation Scheme
  • ISA transfers accepted
  • Short/medium term alternative to fixed rates
  • Minimum single Investment - £3,000
  • This plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
  • Limited offer - deadlines apply. May close early if oversubscribed

Calculate your interest with this plan

Your savings:
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Easy Access Cash ISAs

Flexible Cash ISA

from Ford Money

Interest Rate (AER) 1.17%
  • Term: Easy Access

Withdraw money whenever you want, without any notice or penalties

  • Minimum deposit £1
  • Interest can be paid monthly or annually
  • Unlimited deposits and withdrawals permitted
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply

Calculate your interest with this plan

Your savings:
You could gain:
£0.00 (per tax year)

30 Day Notice Cash ISAs

from Aldermore

Interest Rate (AER) 1.30%
  • Term: Easy Access

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • Early withdrawals are permitted subject to loss of interest equivalent to the notice period
  • Open account with £1000

Calculate your interest with this plan

Your savings:
You could gain:
£0.00 (per tax year)

Instant Access Cash ISA

from NatWest

Interest Rate (AER) Up to 0.75%
  • Term: Instant Access

Rates are tiered: 0.10% pa (£1 - £9,900); 0.25% pa (£10,000 - £24,999); 0.50% pa (£25,000 - £49,999); 0.75% pa (£50,000+)

  • Instant access – manage your account by phone, in-branch and online
  • Open from £1
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be 16 or over
  • Must be a UK resident

Savings Focus: a potential 6.0% from your savings...

Although inflation over the last couple of months has fallen slightly to 2.50%, this is still much higher than you can get from many traditional savings products, such as fixed rate bonds. And if you take a look at the range of Cash ISA rates on offer, the options are even worse as these savings rates are generally much lower than their non-ISA equivalents.

Against this challenging environment for savers, the  Deposit Kick Out Plan from Investec Bank has proved to be popular choice with a wide range of our new and existing savers.

By linking your return to the FTSE 100 Index, this plan offers a potential 6.0% per year (not compounded). Although it has a maximum term of six years, it will ‘kick out’ early provided the value of the FTSE 100 Index at the end of each year from year 3 onwards, is higher than its value at the start of the plan. That’s a potential 18% after three years, 24% after four years, etc.

The plan is deposit based and so offers the same FSCS protection as a normal fixed rate bond, but since the rate is not guaranteed, it should be considered as an alternative to traditional savings products. With this in mind, if you think savings rates will remain at their current historical lows, alternatives such as these might well be worth a  closer look…

What is an Instant Access Cash ISA?

Instant access cash ISAs allow you the freedom to withdraw your tax-efficient savings as and when you need to. If you're a UK taxpayer over 16 years old, you can save up to your maximum ISA allowance.

This type of ISA allows you to pay in and withdraw money at any time throughout the financial year, which runs until 5 th April each year. Many providers will allow you to pay in and withdraw any amount you wish, and these instant access cash ISAs can be opened with as little as £1. Other instant access ISA providers have more stringent conditions - for example, they may require a minimum deposit to open an account, or operate a yearly withdrawal limit. One thing to remember when choosing an ISA is that instant access cash ISAs often have comparatively low rates of interest compared to other types of ISA. This is the price you pay for the freedom of a having a fully flexible ISA.

It is important to remember that if you make a withdrawal from a cash ISA, any money you take out will still count towards that year's cash ISA allowance. You can't replace any of the money you withdraw, so think carefully before doing so.

For instant access Cash ISAs providers will generally allow you to:

  • Access money instantly without withdrawal penalties with the option of being able to take money out whenever you want
  • Flexibility on how you save whether through a lump sum, by standing order or whenever you want
  • Deposit the full cash ISA allowance
  • Deposit from £1 although minimum deposit levels will vary from ISA provider to ISA provider
  • Transfer in other ISAs bringing all your cash ISAs together in one place
  • Access the account through a range of methods e.g. Either online, mobile, in branch or by telephone or a combination of both

Things to look out for when choosing an instant access ISA account

There is a wide range of instant access or easy access ISA account deals to choose from, so we have highlighted some of the features to look out for:

  • Age - You must be 16 or older
  • Residency - You must be UK resident for tax purposes and have a UK national insurance number
  • When applying - To qualify for a cash ISA you can’t have taken out another cash ISA or used your full annual ISA allowance in a stocks and shares ISA and/or an innovative finance ISA during the current tax year
  • Interest rates - the interest rates paid on instant access ISAs tend to be comparatively low compared to fixed-rate ISAs or other types of savings accounts, such as notice accounts. The trade-off is that you get easy, fast access to your cash whenever you need it - so shop around to find the instant access ISA with the best current rates, and be prepared to switch providers if rates change.
  • Additional benefits - some instant access ISA providers offer incentives to those opening a new account. This may mean that you'll be offered an increased rate of interest for a fixed duration - usually around one year - or a bonus if you transfer your old cash ISA balance to the new provider. Savers should bear in mind that the ongoing interest rate may not be competitive, so get ready to switch to a different ISA provider once any incentives or bonuses have been paid.
  • Interest calculation method - some instant access cash ISA providers pay interest on a monthly basis, while others do so on a quarterly or annual basis. Make sure you know which calculation method will be used before signing up for an instant access ISA.
  • Withdrawal restrictions - some instant access ISA accounts have withdrawal restrictions, so ensure you understand the details of the account before you sign up.

How do I transfer my instant access ISA?

If you are thinking of moving to a new instant access cash ISA provider the process is generally as follows:

  • Once you have completed the new ISA provider's transfer application form they will write to your existing provider.
  • You can transfer your ISA between providers without affecting your current ISA allowance. Be careful you don’t close your existing ISA to open a new one as you will lose your current ISA allowance – you should transfer so you don’t lose out on your tax-free allowance.
  • A transfer should take no more than 5 days in line with the British Bankers Association guidelines.

Want to find out more about instant access ISAs and alternative options? provides information on a variety of instant access cash ISAs. 

If you're happy to tie up your savings for a longer period with the potential to gain more interest in the long term, then take a look at fixed-rate cash ISAs. 

If you're happy to commit your cash for even longer, then you may be interested in finding out about structured deposit plans, which require a commitment of three to six years.

High Income ISAs

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