*The Moneybox Cash ISA includes a 4.70% AER variable underlying rate and a bonus rate of 0.47% for the first 12 months. Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate. Transfer in any ISAs you hold with other providers into a Moneybox Cash ISA, entirely in-app. If more than three withdrawals made within each 12-month period, a lower rate of 0.75% (variable) will be applied for the rest of that 12-month period. The lower interest rate of 0.75% will also apply if the account balance dips below £500, automatically returning to the higher interest rate when the balance returns to £500 or more again. Covered by FSCS
Includes a bonus of 0.88% AER (variable) if account held for 12 months. Transfer in any ISAs you hold with other providers. Interest rates drop if more than three withdrawals per year. Rate when you transfer in your existing ISA - 4.04% AER (variable). Rate for each 12-month period after your first 12 months - 4.04% AER (variable). Rate when balance drops below £100 or after your fourth annual withdrawal - 3.00% AER (variable). Covered by FSCS
Unlimited deposits and withdrawals. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. 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. FSCS Protected
ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. 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. FSCS Protected
If you wish to access a fixed interest rate without necessarily tying up your money for a set period of time, you may want to open an Instant Access ISA.
An Instant Access ISA is an account that you can use to put your savings in and make your savings work harder for you.
An Instant Access ISA account has both the advantages of an ISA and some of the flexibility of an instant cash savings account.
If choose to open an Instant Access ISA, you will be able to withdraw as much as you like from the account, and providing you replace it within the same tax year it will not count towards your annual ISA allowance.
The ability to access your savings whilst enjoying competitive interest may help you to achieve your savings goals. Find our savings rates table above forthe latest interest rate deals.
Features of an Instant Access ISA
You may benefit from opening an Instant Access ISA:
No income tax – unlike other financial products the interest you earn in your ISA is not subject to tax
Easy access – If you wish to open an Instant Access ISA, as opposed to a fixed rate cash ISA, you will benefit from competitive interest as well as easy access to your money, should you need it
No need to declare – you are not obliged to declare your cash ISA or any interest you get from your ISA on your tax return
Straightforward transfers – you have the option to transfer your cash ISA to another provider if you find a better interest rate
