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Some of our ISAs will change into this account at the end of their term.
If you have one of the following accounts we’ll change it into an Instant ISA Saver at the end of its term:
You can't open an Instant ISA Saver in any other way. If you don't have a cash ISA coming up to the end of its term you could compare our other accounts.
You must still be a UK resident to add more money into the Instant ISA Saver.
1.10% AER/tax-free on balances from £1 to £9,999.
1.20% AER/tax-free on balances from £10,000 to £49,999.
1.35% AER/tax-free on balances of £50,000 or more.
The interest rate is variable. The rate applies to the full balance. There will be no change to how often your interest is paid.
Yes. As this account pays a variable rate of interest, it can change over time. We’ll always let you know of any planned changes to the rate. Our account conditions (PDF, 347KB) explain when and how we do this. For example, we might review the interest rate if the Bank of England base rate changes.
We’re making some changes to our conditions on 02 June 2025. For details, see our guide to changes (PDF, 61KB).
For example, if you deposit £1,000.00 when you open the account, the balance after 12 months will be £1,011.00.
If you deposit £10,000.00 when you open the account, the balance after 12 months will be £10,120.00.
If you deposit £50,000.00 when you open the account, the balance after 12 months will be £50,675.00.
This assumes:
If you have an ISA Saver Variable, ISA Saver Fixed, ISA Reward Bonus Saver, ISA Bonus Saver or a Junior Cash ISA with us that’s coming up to the end of its term, we will contact you to let you know your options. If you don't ask us to do something else, we’ll change your ISA to an Instant ISA Saver..
Your sort code and account number will stay the same. You can carry on saving with your new Instant ISA Saver.
You can't open an Instant ISA Saver in any other way.
Yes. You can make unlimited withdrawals from this account and there are no charges for doing so.
This is a flexible ISA. If you are UK resident and make a withdrawal from this account, you can pay that money back in before the end of the tax year. Doing this won’t affect the amount you can save in your cash ISA tax free.
If you're not a UK resident, you can withdraw some of your money but you can't replace this money or save any more.
Any money you move to an account that isn't an ISA will lose its tax-free status. Tax treatment depends on your individual circumstances and may change in the future.
You can close your account at any time.
If you don't have one of these ISAs that's coming up to the end of its term, then this is not the account for you.
Our investment options could give a higher return than saving. Choose from our investment accounts.
Do you have another ISA? Protect your ISA allowance by asking us to move your funds for you.
Transfers are quick and easy to do through online banking.
Every month, there are over 1,600 winners in our Savers Prize Draw. Visit the prize draw page for the full draw rules.