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as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early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

The Royal Bank of Scotland Instant Access ISA

The Royal Bank of Scotland, commonly abbreviated as RBS, is one of the retail banking subsidiaries of The Royal Bank of Scotland Group plc, together with NatWest and Ulster Bank. They are the first Retail bank to be awarded the 5 star accreditation by Fairbanking.

Is an Instant Access ISA right for you?

Instant Access ISAs are a flexible way to save but generally offer low interest rates as a trade-off for that freedom. If you think you’ll need constant access to your savings then this account is a great option as many other accounts require you to tie up your money for a period or have restrictions regarding withdrawals.

These kind of accounts also generally require lower minimum deposits, often just a £1. Meaning anyone can begin saving. Check with your provider for further details.

RBS Instant Access ISA Review

Features:

  • You can access your money instantly, there are no withdrawal penalties, so you can take money out whenever you want
  • You can save in a way that suits you, either in a lump sum, by standing order or simply pay in when you want to
  • You can transfer in so it’s easy to bring all of your cash ISAs together in one place for convenience or find a better deal
  • Transfers out are permitted at any time
  • Your interest is calculated daily and paid annually on the first business day in April
  • You can manage your account with online and mobile banking, in branch or by phone

Useful to Know

  • The interest rate is variable, so it can go up as well as down
  • Interest is paid annually
  • Once you've paid in your full year's cash ISA allowance, you can't replace any money you've withdrawn in the same tax year

Fixed and Variable Rates of Interest

This kind of account will almost always offer a variable rate of interest due to the flexibility of the account. But what does that mean?

Variable Interest Rate – Accounts that offer a variable rate of interest tend to be more flexible in terms of access, transfers and payments in. The rate will change over time so you should always be prepared to move your money if the account you’ve chosen is no longer working for you.

Fixed Interest Rate – Typically, a fixed rate account will provide more interest. This is usually exchanged for tying up your money for a period of time. Usually between 1-3 years.

This means it’s not suitable for people who need regular access to their money as withdrawals are usually not permitted and early account closure will often result in a fee. As the rate is fixed, you will know how much interest you will incur at the end of the year.

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.

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