Access Cash ISA

Easy access · Cash ISA · Checked by hand 2 November 2026

0.75%

AER

Not above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £150.00 in 1 year, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access: Withdraw any amount at any time without notice.
Minimum: £1
Interest paid: Once a year
Manage by: Online, Mobile app, Phone, Branch
Who can apply: Tiered on whole balance: 0.75% £1-£24,999, 0.90% £25,000-£99,999, 1.00% £100,000+.
Where we read it: Bank of Scotland's own page, 2 November 2026. We read this rate from the bank's own page by hand and recheck it at least weekly

Full details

Juno hasn't read a Summary Box for this account yet. Bank of Scotland's own page has the full terms and conditions.

Who holds your money

Deposit-taker: Bank of Scotland, a trading name of Bank of Scotland plc
Incorporated in: United Kingdom
Principal place of business: Scotland (registered office The Mound, Edinburgh)
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 169628)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Paid-up capital and reserves of £16,333m at 31 December 2025, for its group (latest published accounts).

FSCS protection

Up to £120,000 per person is protected across everything you hold with Bank of Scotland plc.

Shared licence: Halifax also uses this licence, so money there counts towards the same £120,000.

Check your total protection

Rate history

No change since tracking began.

Go to Bank of Scotland to apply

You'll apply on Bank of Scotland's own website. Bank of Scotland may pay us if you open this account; that doesn't affect its position in our results.