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Instant ISA

A tax-free way to save for the things you want and still have access to your money when you need it.

This could be the right choice if:

  • you want to save tax-free in a cash ISA
  • you want to be able to withdraw money if you need to
  • you want to transfer in ISAs from another provider*
  • you want to open an account face-to-face or by post


tax-free p.a./AER variable

Key Features

  • Open this cash ISA with as little as £10
  • Save up to a maximum of £15,240, your 2015/2016 cash ISA allowance
  • Transfer in ISAs from other providers - please check with your existing ISA provider for any applicable charges*
  • Pay no tax on the interest you earn
  • Access your money whenever you like - no loss of interest for making withdrawals
  • Choose monthly or annual interest
  • Available if you're aged 16 or over, and resident in the UK for tax purposes
  • Manage your account with a passbook in branch or by post

Find out more about ISAs in our guide to tax-free saving

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Summary Box

Key product information for our savings account

Account Name Instant ISA
Interest rates (AERs) Interest rates are variable. Interest is paid monthly or annually.

View interest rates.

Tax Status Tax-free
Conditions for bonus payment N/A
Withdrawal arrangements

Instant withdrawals with no loss of interest.

  • In branch
  • By post

Please note

  • Whether you can benefit from gross or net or tax-free interest is dependent on your own personal circumstances and tax status and so may be subject to change in the future

Not right for you?

Take a look at our other Tax Free savings accounts:

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Interest Rates

Current rates - effective 14 July 2014


Balance (£) Tax-free AER
£10 and above 1.00% 1.00%


Balance (£) Tax-free AER
£10 and above 1.00% 1.00%

View our previous interest rates

Please note

  • Interest rates are variable paid annually or monthly.
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How to apply

Before you apply

When you open an account with us, we'll need to verify your identity. For details, check our verifying your identity page.

Please read the General Terms and Conditions (107 KB) and the FSCS information sheet (59 KB) before applying online.

How would you like to apply?

Apply in branch

Enter your postcode to find the address of your nearest branch.

Why not save time by completing the form before you visit?

Email us for an application form

Apply by post

Email us to request an application form and we'll send you what you need to get started.

Or call us to request an application pack:

  • 8am - 8pm: Mon to Fri
  • 9am - 1pm: Sat
0345 166 9219*

Not ready to apply just yet?

Print page

Print your own copy so you can look at it again later.

Your questions answered