RBS Cash ISAs
Compare Latest Cash ISA Deals
Compare RBS ISAs with latest deals in the market.
- 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 (unlimited withdrawals for 1 year)
- Invest From: £1
Interest paid at maturity. Unlimited withdrawals for whole term. After 1 year your money will be automatically transferred to an online easy access ISA. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older
- Term: Instant Access
- Invest From: £1
Headline rate includes a guaranteed fixed bonus rate of 3.01% 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
Show More
- 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
Unlimited deposits and withdrawals. Interest paid monthly. ISA transfers also allowed. Open and manage online or in app
FSCS Protected. £500,000 maximum deposit across all OakNorth accounts. Must be UK resident and aged 18 or older
- Term: Instant Access
- Invest From: £1,000
3.35% AER / 3.30% 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
Show More
- Term: 1 Year
- Invest From: £1,000
Interest paid annually. ISA transfers not currently allowed in. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days lost interest
- Term: 12 Months
- Invest From: £1
Interest paid monthly. ISA transfers also allowed in. Maximum balance £500,000. FSCS Protected. Must be UK resident and be aged 18 or older. 90-day interest penalty on early withdrawals
- 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: 1 Year
- Invest From: £1,000
Terms and Conditions: 4.40% AER/Tax-free p.a. (fixed) for 1 year on balances from £1,000. Rate available until 5pm on 27th May 2026 for new customers and 1st June 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 15th June 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More
- Term: 1 Year
- Invest From: £1,000
Terms and Conditions: 4.40% AER/Tax-free p.a. (fixed) for 1 year on balances from £1,000. Rate available until 5pm on 27th May 2026 for new customers and 1st June 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 15th June 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- 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: £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: £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: £1
Interest paid at maturity. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older. No withdrawals permitted
- 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: 24 Months
- Invest From: £1
Interest paid monthly. ISA transfers also allowed in. Maximum balance £500,000. FSCS Protected. Must be UK resident and be aged 18 or older. 180 day interest penalty on early withdrawals
- Term: 2 Years
- Invest From: £1,000
Terms and Conditions: 4.40% AER/Tax-free p.a. (fixed) for 2 years on balances from £1,000. Rate available until 5pm on 27th May 2026 for new customers and 1st June 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 15th June 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- Term: 2 Years
- Invest From: £1,000
Terms and Conditions: 4.40% AER/Tax-free p.a. (fixed) for 2 years on balances from £1,000. Rate available until 5pm on 27th May 2026 for new customers and 1st June 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid at maturity. You can withdraw money from your account up to 15th June 2026. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies: the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from your Fixed Rate ISA. Must be 18+ and UK resident
Show More- 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: £1
Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older. No withdrawals permitted
- 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: £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: 3 Years
- Invest From: £1
Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2021. Must be UK resident and be aged 18 or older. No withdrawals permitted
- Term: 36 Months
- Invest From: £1
Interest paid monthly. ISA transfers also allowed in. Maximum balance £500,000. FSCS Protected. Must be UK resident and be aged 18 or older. 270 day interest penalty on early withdrawals
- 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: £1
Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older. No withdrawals permitted
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.