RBS Cash ISAs
Compare Latest Cash ISA Deals
Compare RBS ISAs with latest deals in the market.
Mobile App only ISA account. *Up to three withdrawals can be made within each 12-month without affecting the interest rate. The Plum Cash ISA includes a 2.54% AER variable underlying rate and a bonus rate of 2.27% for the first 12 months. More than three withdrawals made within each 12-month period, a lower rate of 2.54% (variable) will be applied. Transfer in any ISAs you hold with other providers. Interest rates drop if more than three withdrawals per year. Covered by FSCS. Rate when you transfer in your existing ISA – 3.75% AER (variable). Rate for each 12-month period after your first 12 months – 2.54% AER (variable). Rate when balance drops below £100 or after your fourth annual withdrawal – 2.54% AER (variable). Must be UK resident and be aged 18 or older
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*Up to three withdrawals can be made within each 12-month without affecting the interest rate. The Moneybox Cash ISA includes a 3.45% AER variable underlying rate and a bonus rate of 1.08% for the first 12 months (bonus only applicable to new ISA deposits. ISA transfers in receive the underlying rate only). More than three withdrawals made within each 12-month period, a lower rate of 0.75% (variable) will be applied. Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate. Customers can transfer in any ISAs they hold with other providers into a Moneybox Cash ISA, on web and in-app. Covered by FSCS. If more than three withdrawals made within each 12-month period, a lower rate of 0.75% (variable) will be applied for the rest of that 12-month period. The lower interest rate of 0.75% will also apply if the account balance dips below £500, automatically returning to the higher interest rate when the balance returns to £500 or more again. Must be UK resident and be aged 18 or older
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- Term: Easy Access
- Invest From: £10
Includes a 3.00% AER variable underlying rate and a bonus rate of 1.00% for the first 12 months (ISA transfers in receive 4.00% AER variable). Unlimited deposits and withdrawals. Transfer in any ISAs you hold with other providers. Interest accumulates daily, and is paid into your account every month. All money in your Cash ISA is held securely with partner banks Barclays & Bank of Scotland who are covered by the FSCS. Rated ‘Excellent’ on Trustpilot. Variable rate of interest. Must be UK resident and be aged 18 or older
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- Term: Instant Access
- Invest From: £100
Interest paid annually. Unlimited deposits and withdrawals. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. FSCS Protected.. Must be UK resident and be aged 18 or older. After 12 months the interest rate changes to 1.45% AER variable. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK
- Term: Instant Access
- Invest From: £1
Headline rate includes a guaranteed fixed bonus rate of 3.15% for the first 12 months, plus the standard variable rate which is currently 1.05%. After 12 months, you’ll continue to receive the standard variable rate. Interest paid annually. Open and manage online or on mobile banking app. Unlimited deposits (up to a combined limit of £20,000 across your ISAs within this tax year) and unlimited withdrawals. ISA transfers also allowed in. FSCS Protected. Maximum balance £1,000,000. Must be UK resident and be aged 18 or older
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- Term: Easy Access
- Invest From: £1,000
Interest paid annually. Unlimited deposits and withdrawals. ISA transfers also allowed in. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older
- Term: Easy Access
- Invest From: £1
Lightyear’s Cash ISA pays whatever the current Bank of England base rate is (currently 3.75%). Unlimited deposits within HMRC ISA limits, and withdrawals. Transfer in any ISAs you hold with other providers. Flexible ISA: withdraw and repay into the same ISA in the same tax year without it counting towards your annual allowance. Interest earned daily, paid monthly. Variable rate of interest, will move in line with Bank of England base rate. Must be UK resident and be aged 18 or older. Lightyear Cash ISA money is invested into QMMFs and therefore capital is at risk.
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- Term: Easy Access (up to 4 withdrawals per year)
- Invest From: £1
Withdraw on any 4 days a year. Interest paid at maturity. Unlimited deposits. ISA transfers in also allowed. Open and manage your account online. FSCS Protected. Must be UK resident and be aged 18 or older. After 12 months, the account will be transferred to an online easy access cash ISA account
- Term: Easy Access
- Invest From: £1
Unlimited deposits and withdrawals. Interest paid annually. ISA transfers in also allowed. Open and manage your account online. FSCS Protected. Maximum balance £2,000,000. Must be UK resident and be aged 18 or older
- Term: Easy Access
- Invest From: 100
4.00% AER if customer makes only one withdrawal within an anniversary year. If a customer makes two or more withdrawals in an anniversary year the rate reduces to 2.00% from the date of the third withdrawal. Interest paid annually. ISA transfers also allowed in. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older
- Term: Easy Access
- Invest From: 100
3.75% AER if customer makes two or fewer withdrawals within an anniversary year. If a customer makes three or more withdrawals in an anniversary year the rate reduces to 2.00% from the date of the third withdrawal. Interest paid annually. ISA transfers also allowed in. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older
- Term: Instant Access
- Invest From: £1,000
3.61% AER / 3.55% tax-free p.a (variable), interest paid monthly. Flexible ISA – withdraw and replace funds without affecting your annual ISA allowance. Unlimited deposits and withdrawals. Interest paid monthly. ISA transfers also allowed in. FSCS Protected. Tax treatments depend on your individual circumstances and may change in the future’. Powered by ClearBank: Wealthify will provide the day-to-day servicing of the account with ClearBank providing the account itself. Must be UK resident and be aged 18 or older
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- Term: 1 Year
- Invest From: £1,000
Interest paid annually. ISA transfers in also allowed. Open and manage online. FSCS Protected. Maximum balance £1,000,000. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days lost interest
- Term: 1 Year
- Invest From: £1,000
ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older. Withdraw cash early if you need to (subject to loss of interest)
- Term: 1 Year
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days lost interest
- Term: 1 Year
- Invest From: £100
Interest paid at maturity. ISA transfers also allowed in. Tax free interest. FSCS Protected. Must be UK resident and be aged 18 or older. No withdrawals permitted. Closure permitted with 90 days’ loss of interest
- Term: 1 Year
- Invest From: £500
Interest paid annually. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days loss of interest. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK
- Term: 1 Year
- Invest From: £1
Interest paid at maturity. ISA transfers in also allowed. FSCS Protected. Your money is held by Aldermore, an FSCS-protected UK bank. Must be UK resident and aged 18 or older. Early withdrawal charge equal to 90 days’ interest
- Term: 1 Year
- Invest From: £1
Interest paid annually. New deposits between £1 and £20,000. ISA transfers in also allowed. Open and manage online or on mobile banking app. FSCS Protected. After 12 months, your account will switch to an Instant Access Cash ISA and receive the standard variable rate. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days lost interest
- Term: 2 Years
- Invest From: £1000
Interest paid monthly or annually. ISA transfers in up to a maximum account balance of £1,000,000. FSCS Protected. Must be UK resident and be aged 18 or older. 180 day interest charge on early withdrawals
- Term: 2 Years
- Invest From: £1,000
ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older. Withdraw cash early if you need to (subject to loss of interest)
- Term: 2 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 180 days lost interest
- Term: 2 Years
- Invest From: £500
Interest paid annually. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 180 days loss of interest. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK
- Term: 2 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Tax free interest. FSCS Protected. Must be UK resident and be aged 18 or older. No withdrawals permitted. Closure permitted with 180 days’ loss of interest
- Term: 3 Years
- Invest From: £1,000
ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older. Withdraw cash early if you need to (subject to loss of interest)
- Term: 3 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 270 days lost interest
- Term: 3 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Tax free interest. FSCS Protected. Must be UK resident and be aged 18 or older. No withdrawals permitted. Closure permitted with 270 days’ loss of interest
- Term: 5 Years
- Invest From: £1,000
ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older. Withdraw cash early if you need to (subject to loss of interest)
- Term: 5 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 365 days lost interest
- Term: 5 Years
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Tax free interest. FSCS Protected. Must be UK resident and be aged 18 or older. No withdrawals permitted. Closure permitted with 360 days’ loss of interest
RBS Cash ISAs
Like all Cash ISAs, RBS Cash ISAs allow you to maximise your savings by not paying tax on the interest you earn. You can also transfer to an RBS Cash ISA from another provider if your current provider offers lower interest rates.
Royal Bank of Scotland currently has several Cash ISAs available:
- Instant Access Cash ISA
- E-ISA
- Fixed rate ISA
RBS stocks and shares ISAs
Royal 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.
Royal Bank of Scotland has something for everyone when it comes to saving and investing in ISAs. With both cash and stocks and shares ISAs available, Royal Bank of Scotland customers can design a tax-free portfolio that is customized to their unique financial situation.
History
Royal Bank of Scotland is one of the oldest institutions in the UK, dating back to 1727. The original bank had a staff of eight and was located in the Old Town of Edinburgh. During the next two centuries, Royal Bank of Scotland grew at a steady pace, with many branches opening up throughout Scotland and then in England.
By the 20th century, Royal Bank of Scotland began to expand in England, acquiring a number of English banks. The latter part of the 20th century saw many changes to how Royal Bank of Scotland conducted business, from new technology that made daily operations easier to additional services that made banking more convenient for their customers.
Current Information
Royal 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.