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Compare Instant Access ISAs

The Very Latest Instant Access ISA
Easy Access Cash ISAs

30 Day Notice Cash ISA

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. 30 days notice required to withdraw

  • 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 ISA Saver

from Nationwide

Interest Rate (AER) up to 0.50%
  • Term: Instant Access
  • Instant access
  • 0.30% interest on balances between £1 and £9,999, 0.40% on balances between £10,000 and £49,999, 0.50% on balances of £50,000 and above
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older
  • Must be UK resident

Calculate your interest with this plan

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

ISA Saver

from Halifax

Interest Rate (AER) 0.60%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

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

Easy ISA

from Santander

Interest Rate (AER) 0.60%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • FSCS Protected
  • 0.60% for balances of £40,000 or over, 0.20% for balances under £40,000
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

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

Cash ISA Saver

from Lloyds Bank

Interest Rate (AER) 0.35%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

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

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.

High Income ISAs

High income ISA ideas:

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Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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