Compare cash ISAs

Choose from our range of cash ISAs

Do you already have an ISA? If you switch it to us, we promise to pay you interest from the day we receive your completed request if your funds are free to transfer. We won't wait for your current provider. Find out more about our ISA promises.

Information on range of cash ISAs

Account

Interest

Minimum opening balance

How long the account stays open

Withdrawals

More information

Account

Interest

3.25% AER/3.20% tax-free variable monthly if you make three or less withdrawals. 

0.95% AER/tax-free variable monthly if you make four or more withdrawals.

We pay interest monthly.

Minimum opening balance

£1

How long the account stays open

Until the end of the fixed term. We'll then change your account to an ISA Saver.

Withdrawals

Unlimited. If you make four or more withdrawals, you’ll get a lower interest rate from the month you make the 4th withdrawal until the end of the account year.

More information

You need a Bank of Scotland current account with Vantage to open this account.

Advantage ISA Saver

Account

Fixed Cash ISA

This account gives you a fixed rate of interest.

Interest

3.60% AER/tax-free fixed for the 1 year term.

3.50% AER/tax-free fixed for the 2 year term.

Choose to have interest paid after each year or each month.

Minimum opening balance

£500

How long the account stays open

Until the end of the fixed term. We'll then change your account to an ISA Saver.

Withdrawals

None. You can close the account early or transfer money to another ISA but you would be charged.

More information

Account

Access Cash ISA

The flexible way to make the most of your ISA allowance.

Interest

1.05% AER/tax-free on balances from £1 to £24,999.

1.15% AER/tax-free on balances from £25,000 to £99,999. 

1.20% AER/tax-free on balances of £100,000 or more.

Interest is variable and we pay it after a year. Rate applies to the full balance.

Minimum opening balance

£1

How long the account stays open

1 year. We'll then change your account to an ISA Saver.

Withdrawals

Unlimited.

More information

Account

Junior Cash ISA

Long term tax-free savings for children.

Interest

2.85% AER/tax-free variable.

We pay interest after each year.

Minimum opening balance

£1

How long the account stays open

Until the child's 18th birthday. We'll then change the account to an adult Access Cash ISA.

Withdrawals

None until the child is 18.

More information

Account

ISA Saver

If you have a Fixed Cash ISA, Access Cash ISA, or Advantage ISA Saver with us, we'll change it into this account at the end of its term.

Interest

1.05% AER/tax-free on balances from £1 to £9,999.

1.15% AER/tax-free on balances from £10,000 to £49,999.

1.20% AER/tax-free on balances of £50,000 or more.

The interest rate is variable. The rate applies to the full balance. Your interest frequency will stay the same as it was on your previous account.

Minimum opening balance

£1

How long the account stays open

No end date.

Withdrawals

Unlimited.

More information

You cannot apply directly for this account.

ISA Saver

For a definition of AER, tax-free and other terms view our savings glossary.

Tax treatment depends on your individual circumstances and may change.

Important information

Rates of interest are subject to change. You can check when our rates have changed

Explore your options

We want to make sure you know about our other options. Here’s one that might suit you.

Have you thought about investing?

Our straight-forward options could provide a higher return than saving. Choose from our three ready-made funds and let the experts do the rest.

More about investing

Protecting your money


The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS



Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS