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Easy Access ISA

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Fixed Rate Cash ISAs

1 Year Triple Access Cash ISA

from Nationwide

Interest Rate (AER) 0.25%
  • Term: 1 Year, with option to make three free withdrawals
  • Make up to three withdrawals during the 12-month term of this account
  • Open with £1 or transfer in existing ISA funds
  • Manage your account online
  • Interest paid at maturity
  • FSCS Protected
  • Must be UK resident and aged 16 or older
  • Make more than three withdrawals and the rate drops to 0.01% AER/gross p.a. (variable)
  • Not available in branch

Calculate your interest with this plan

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

Easy Access ISA

The Individual Savings Account is becoming the first port of call for tax free saving in the UK. Available to UK savers, the ISA is an account where no tax is charged on the interest. That means that any money accrued over the period of saving or investment, is not tax deductible.

There are a number of account types under the ISA, one of which is the Easy Access ISA. An easy access ISA is one that does as it literally denotes. The account holder is allowed a lot of leeway in accessing the account. The easier access to the account means that the individual can withdraw money without restrictions in duration. In most instances, the withdrawals do not have a penalty fee regardless of amount and times withdrawn. This is however dependent on the bank that you are registered with. Similarly, you get the ease of depositing money into the account. A typical ISA allows for a certain standard limit on the total amount that can be deposited into the account on an annual basis. With an easy access ISA, you get to deposit as much money as you wish into the account without restrictions.

Easy Access ISA Restrictions

Though the account allows for easier access to funds transfer, there will be often certain restrictions put in place by the ISA provider. These might include:

  • The amount of money that can be withdrawn is only limited to that which is within a tax year and cannot be from the previous year. 
  • The amount of money that can be deposited; though with greater fluctuation in terms of period and amount per installment, should not exceed the limit. The limit is £20,000 for the 2017/18 tax year.
  • The money that can be withdrawn is limited - this may be stipulated by the bank. 


An easy access ISA is a great account option for an individual who requires flexibility in withdrawal and deposit of money within the account. However, since there are often fixed or predetermined rates of withdrawal, one should always check with the bank before signing up for the account. Individual banks and credit institutions have different restrictions so it is best that you do your research before getting the account. It is also best to familiarize oneself with other ISA account types so as to explore all options.

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Stocks and Shares ISAs

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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