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Compare Instant Access ISAs

The Very Latest Instant Access ISA
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as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early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

Compare Instant Access ISAs

An Individual Savings Account (ISA) is a tax-free savings account which allows you to save up to a set amount of money per financial year without paying any tax on it. Instant Access Individual Savings Accounts are designed to allow savers to easily access the funds contained within their cash ISA without incurring any sort of penalty which may prove useful to those who feel they may to make a full or partial withdrawal from their ISA during its term.

Most high-street banks offer an Instant Access ISA option, check our tables for latest rates, comparisons and links to apply.

Choosing an Instant Access ISA

  • The interest rates paid on instant access ISAs tend to be comparatively low compared to fixed-rate ISAs or other types of savings accounts. The trade-off is that you get easy, fast access to your cash whenever you need it. Make sure you shop around to find the instant access ISA with the best current rates, and be prepared to switch providers if rates change
  • 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 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.
  • 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 suitable for you before signing up for an instant access ISA

Benefits of a Variable Interest Rate Account

Accounts with variable interest rates allow for much greater flexibility in terms of deposit and withdrawal. An individual can usually make as many deposits up until the amount becomes equal to that set as the annual allowance limit.

There is also a greater flexibility in withdrawal with little or no penalties or even a set limit on withdrawal. Withdrawals can also be made without meeting any requirements or conditions on the account, unlike fixed interest rate accounts where an individual must wait until the account matures.

This means that Instant Access ISAs are fully flexible and suitable for people who need flexible access to their money.

How do I transfer my instant access ISA?

  • 1.Once you have completed the new ISA provider's transfer application form they will write to your existing provider
  • 2.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.

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.

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