Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with NatWest Bank per tax year. You must hold the account solely in your name. NatWest’s FRISA rates are 4.72% AER/Tax-free p.a. (fixed) for 1 year and 4.75% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 7th October 2026 for new customers and 12th October 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 26th October 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. ISA subscription limits apply. 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 Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with Royal Bank of Scotland per tax year. You must hold the account solely in your name. Royal Bank of Scotland's FRISA rates are 4.72% AER/Tax-free p.a. (fixed) for 1 year and 4.75% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 7th October 2026 for new customers and 12th October 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 26th October 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. ISA subscription limits apply. 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 Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
The Moneybox Cash ISA includes a 3.45% AER variable underlying rate and a bonus rate of 1.28% for the first 12 months (bonus only applicable to new ISA deposits. ISA transfers in receive the underlying rate only)
Why we like it
Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate. Customers can transfer in any ISAs they hold with other providers into a Moneybox Cash ISA, on web and 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
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with NatWest Bank per tax year. You must hold the account solely in your name. NatWest’s FRISA rates are 4.72% AER/Tax-free p.a. (fixed) for 1 year and 4.75% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 7th October 2026 for new customers and 12th October 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 26th October 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. ISA subscription limits apply. 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 Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with Royal Bank of Scotland per tax year. You must hold the account solely in your name. Royal Bank of Scotland's FRISA rates are 4.72% AER/Tax-free p.a. (fixed) for 1 year and 4.75% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 7th October 2026 for new customers and 12th October 2026 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 26th October 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. ISA subscription limits apply. 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 Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Includes a 2.54% AER variable underlying rate and a bonus rate of 2.17% for 12 months
Why we like it
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 - 2.54% AER (variable). Rate for each 12-month period after your first 3 months -2.54% AER (variable). Rate when balance drops below £100 or after your fourth annual withdrawal - 2.54% AER (variable). Covered by FSCS
Ford Money now offer a range of financial products that can help you achieve your savings goals.
Features of the Ford Instant Access ISA
An Instant Access ISA with Ford Money allows you to get the most out of your savings by utilising the tax-free benefits of an ISA.
If you choose to open a Ford Money Instant Access ISA you will receive a competitive rate of interest. Find our savings rates table above forthe latest interest rate deals.
An Instant Access ISA has the benefits of an ISA along with the flexibility of an instant cash savings account. With an Instant Access ISA there is no limit to how many times you can make a withdrawal from the account. In addition, as long as you replace the savings that you withdraw within the same tax year it will not count towards your annual ISA allowance.
In order to open an Instant Access ISA with Ford Money you will need to make a deposit of at least £1 within the first 14 calendar days. Ford Money require all Instant Access ISA customers to have at least £1 in their accounts at all times. It is important to note that the Instant Access ISA account can have a balance of up to £2m.
How Can I Access the Ford Instant Access ISA?
Ford Money are committed to providing a simple, straightforward and efficient service for their customers. To access Ford Money’s Instant Access ISA service you can open up an account online in under 10 minutes. Alternatively, you can open an account through Ford Money’s UK-based call centre, which is open 24 hours a day 7 days a week.
