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Advantage Cash ISA option

Easy access · Cash ISA · Checked 3 Nov 2026, 08:00

2.30%

AER

Not above inflation: CPI 3.5%, September 2026

What you'd earn

If you put in (£)

You'd earn about £460.00 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 or penalty.
Minimum: £1
Interest paid: Once a year
Manage by: Online, Phone
Who can apply: Variable rate.
Where we read it: M&S Bank's own page, 3 November 2026

Full details

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

Who holds your money

Deposit-taker: M&S Bank, a trading name of HSBC UK Bank plc
Incorporated in: United Kingdom
Regulated: Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 765112)
Protection and disputes: Financial Services Compensation Scheme and Financial Ombudsman Service
Capital: Paid-up capital and reserves of £28,261m at 31 December 2025

Complaints and reviews

Complaints to the bank: Complaints the bank itself reported to the FCA about banking and credit cards, for HSBC UK Bank Plc.73,367 complaints opened (2.26 for every 1,000 accounts); the bank upheld 58.9% of the complaints it closed. January to June 2026 (source)

These figures cover the whole firm behind M&S Bank, including current accounts, cards and loans, not just savings. Bigger firms have more customers and so more complaints. Periods differ between sources and are months old when published. They never change our rate order. FCA-format figures contain public sector information licensed under the Open Government Licence v3.0.

FSCS protection

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

Shared licence: HSBC UK, first direct also use this licence, so money there counts towards the same £120,000.

Check your total protection