Easy Access Cash ISA
Get all the tax-free** benefits of a Cash ISA, plus the freedom to withdraw your money whenever you need to, with no notice required.
Apply for an Easy Access Cash ISA
Highlights:
- Earn 4.23% AER* with tax-free** savings and easy access to funds
- An easy access cash ISA means you can deposit and withdraw your savings with no fees or notice period
- Initial deposit as low as £1
- Choose between monthly or annual interest as part of the application process
* AER stands for annual equivalent rate and illustrates what the interest rate would be if it was paid and compounded once each year.
Tax treatment depends on individual circumstances and may be subject to change in the future.
** Tax Free - the contractual rate of interest payable where interest is exempt from income tax. The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change. Tax treatment depends on an individual’s personal circumstances. The government is responsible for the favourable tax treatment of ISAs and that may change.
Why an Easy Access ISA could be right for you:
- You want to benefit from tax-free** savings without having to lock your money away for a fixed term
- You still want to maintain easy access to your savings
- You already have an ISA that you want to transfer to us during the current tax year
- You don’t need a flexible ISA
- You want a Cash ISA you can open and manage online
Not the right savings account for you?
Not everyone’s savings goals are the same. If an Easy Access Cash ISA doesn’t sound like the right option for you, we have lots of other alternative savings solutions for you to choose from, including fixed rate ISAs, bonds and easy access savings. Find the right option for you today.
See all products
Frequently asked questions
An Easy Access Cash ISA is a tax-free** savings account that lets you earn interest on your savings while giving you the flexibility to access your money when you need it.
Both accounts let you access your money, but an Easy Access Cash ISA lets you earn interest tax-free**. An easy access savings account doesn't offer this tax benefit.
Yes. You can have more than one ISA, as long as you don't save more than your annual ISA allowance across all your ISAs in the same tax year.
For the current tax year 2026-2027, the annual ISA allowance is £20,000
Easy access Cash ISA rates are typically variable, so the interest rate may change over time. We’ll always let you know if this happens in line with the terms and conditions of the account.