skip to main content
Cash ISAs / Instant Access Cash ISAs /

​Nationwide Instant Access ISA

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as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early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 Royal Bank of Scotland

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
  • Open from £1
  • Online, phone or branch access
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Must be a UK resident
  • Must be 16 or over

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

Nationwide Instant Access ISA

Nationwide Building Society is a British mutual financial institution and the largest building society in the world.

What are Instant Access ISAs?

Instant access ISAs allow individuals the flexibility to withdraw tax-efficient savings as and when is necessary. Any UK taxpayer over the age of 16 years old can save up to the maximum ISA allowance.

This type of ISA allows people to pay in and withdraw money at any time throughout the financial year, which runs until 5th April each year.

Most providers will allow you to pay in and withdraw any amount you wish, and these instant access cash ISAs can often be opened with as little as £1. Some ISAs may require a higher 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 will often have comparatively low rates of interest compared to other types of ISA. This is what you exchange in return for the flexibility and freedom of this type of account.

Nationwide Instant Access ISA Review

Nationwide offer two instant access ISA accounts:

Instant ISA Saver

Features:
  • Competitive rate of interest
  • Online banking, a banking app and in branch banking available
  • Transfer from other nationwide ISAs and external providers are permitted anytime
  • While opening online you can only transfer from a Nationwide current account or ISA but you can open in branch to pay in funds from another provider’s account
  • Once you’ve opened the account, you will be able to add funds from other accounts
  • Only available to FlexOne, FlexAccount, FlexDirect or FlexPlus current account customers

Flexclusive ISA

Features:
  • Competitive rate of interest
  • Accepts old ISA money
  • Online banking, in branch banking and banking app available
  • Full closure of the account or transfers to another ISA provider are allowed at any time
  • When you open online you can only add funds from a Nationwide current account or instant access savings account so if you want to add funds from another provider’s account you will need to transfer in or open in branch
  • Only available to FlexOne, FlexAccount, FlexDirect or FlexPlus current account customers

Advantages of an Instant Access ISA

  • 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

Disadvantages of an Instant Access ISA

The less positive aspects of cash ISAs are:

  • Capped allowance rates, which cannot be exceeded
  • Not all accounts accept previous-year transfers
  • The accounts offering the highest interest rates only offer these for the current year’s allowance and you may need to be switch to more competitive products in later years

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 make sure you really need to before doing so

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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

A New “Care ISA” To Fund Care Home Costs?

21st August 2018

For anyone around retirement age, paying for our care costs when we get older is a worry that probably ranks second only after a fear of developing dementia. Will a new type of ISA be the solution?

Newsletter Signup

Sign up to our Newsletter to get exclusive news and offers direct to your inbox.

About us

ISA.co.uk is a trading style of Fair Investment Company.

We've been comparing and recommending ISAs for many years so you can trust you're in good hands.

About us

4.89 Average

36 Reviews

Jen

I found the way the different options are presented very clear - much more useful than some other comparison sites. I sent it to my daughter as well.

Paul

Very informative, find myself a good ISA account with best return in terms of interest.

Anonymous

Easy to navigate, all required information was to hand. Professional looking site!

Jessica Esa

ISA.co.uk has a really attractive and simplistic design. I've found it easier to use than other similar comparison sites. The products are simply described, it's informative and the pros and cons are really clear. Great website.

Sue

Easy to use website and up to date. Saved the link on my tablet.

Rob Holden

The website was very useful and informative.

Andrew Johnson

ISA can be confusing at first and this site includes a useful and helpful introduction into the world of ISAs

Crowd2Fund

Excellent website - clear and helpful information about different products - and a trustworthy partner.

Anonymous

Quick and professional service provided

Anonymous

Very insightful and easy to navigate.. would recommend to anyone interested