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Easy Access ISA /

​Best Easy Access ISA

Easy Access Cash ISAs

Online Easy Access Cash ISA

from Cynergy Bank

Interest Rate (AER) 0.50%
  • Term: Easy Access
  • Instant access to funds
  • Open account with £500

Calculate your interest with this plan

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

Easy Access Cash ISA

from Coventry Building Society

Interest Rate (AER) 0.30%
  • Term: Easy Access
  • Deposit from £1
  • Interest paid annually or monthly

Calculate your interest with this plan

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

ISA Saver Variable

from Halifax

Interest Rate (AER) 0.05%
  • 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)

Instant Cash ISA

from Barclays

Interest Rate (AER) 0.02%
  • Term: Easy Access
  • Deposit from £1
  • Interest paid annually

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) 0.01%
  • 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)

Instant Access Cash ISA

from Royal Bank of Scotland

Interest Rate (AER) 0.01%
  • Term: Instant Access
  • 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) 0.01%
  • Term: Instant Access
  • 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

Easy ISA

from Santander

Interest Rate (AER) 0.01%
  • 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
  • 0.10% for balances of £40,000 or over, 0.01% 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)

Best Easy Access ISA

Easy Access ISAs provide a way for savers to save their money in a tax-free wrapper, while still maintaining the flexibility to make withdrawals whenever they want to, they may also let the saver make deposits whenever, so long as they don’t exceed their overall ISA allowance. As such you be wondering what the best easy access ISA is.

The best ISA for a specific individual will depend on their own specific needs; you can use the tables on this website to compare a selection of ISAs from different providers and follow the links to get more information and apply.

Choosing a Cash ISA

You can only open up to a maximum of one new Cash ISA in each tax year, it is possible to transfer accounts; however, not all ISAs will accept transfers in. It is therefore wise to shop around to try and find the product that fits best with the way you want to save. In addition to Instant Access you may want to also think about other types of ISA

Types other of Cash ISA include

Notice Cash ISAs: Notice accounts are a sort of middle point somewhere in between Instant Access and Fixed Rate products; they require savers to give a certain period of time’s worth of notice before making a withdrawal, usually between 30 and 120 days notice, depending on the account. In return for this notice period providers may offer a better interest rate on their notice ISAs than on their instant access ISAs.

Fixed Rate Cash ISAs: Generally require the account holder to lock their savings into the account for a period of time, normally 1, 2, 3 or 5 years depending on the account. During this period the account holder has very little access to their savings; some accounts do permit early withdrawals but tend to charge a penalty for doing so. In return for locking their money within the ISA savers are offered a fixed rate of interest, which means the amount of interest calculated on the account will not fluctuate and it’s possible to work out exactly how much the saver stands to gain by the end of the ISA’s fixed term.

Transfers

All providers of ISAs are required to allow transfers out of their accounts; however, they can impose a penalty for doing so. It’s also important to remember that providers do not have to accept transfers into their ISAs, therefore if you are looking to switch ISAs you will need to first check that the one you want to move to accepts transfers. It’s possible to transfer an ISA into a different type of ISA for example moving an Investment ISA to a Cash ISA or vice versa. 

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs: 

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare 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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