Find out the rate you’re currently on, or rates you may have been receiving in the last 5 years. For the first 12 months from opening your account, your overall rate is made up of two parts, a fixed bonus rate and a standard variable rate.
To view rates on new accounts visit our Instant Access Cash ISA page.
All bonus rates are effective for 12 months from account opening and apply from £1. Our standard variable rates apply from £1.
Remember: The standard variable rate can change at any time. This means the rate shown for your account’s opening date may not match your current rate. For a full list of how this may have changed, see our standard variable rate table.
All rates are Gross/AER. Interest is paid annually.
|
Date effective from |
Bonus interest rate (fixed for 12 months) |
Standard variable rate |
|---|---|---|
|
13 November - Present |
3.01% |
1.05% |
|
22 September - 12 November |
3.08% |
1.05% |
|
16 July - 21 September |
3.03% |
1.05% |
|
9 July - 15 July |
2.93% |
1.15% |
|
3 July - 8 July |
2.96% |
1.15% |
|
29 May - 2 July |
2.92% |
1.15% |
|
19 March - 28 May |
2.80% |
1.15% |
|
25 February - 18 March |
2.90% |
1.25% |
|
18 February - 24 February |
2.81% |
1.25% |
|
1 January - 17 February |
2.70% |
1.25% |
All bonus rates are effective for 12 months from account opening and apply from £1. Our standard variable rates apply from £1.
Remember: The standard variable rate can change at any time. This means the rate shown for your account’s opening date may not match your current rate. For a full list of how this may have changed, see our standard variable rate table.
All rates are Gross/AER. Interest is paid annually.
|
Date effective from |
Bonus interest rate (fixed for 12 months) |
Standard variable rate |
|---|---|---|
|
26 November - 31 December |
2.70% |
1.25% |
|
22 October - 25 November |
2.80% |
1.25% |
|
6 September - 21 October |
2.95% |
1.25% |
|
1 January - 5 September |
3.05% |
1.25% |
All bonus rates are effective for 12 months from account opening and apply from £1. Our standard variable rates apply from £1.
Remember: The standard variable rate can change at any time. This means the rate shown for your account’s opening date may not match your current rate. For a full list of how this may have changed, see our standard variable rate table.
All rates are Gross/AER. Interest is paid annually.
|
Date effective from |
Bonus interest rate (fixed for 12 months) |
Standard variable rate |
|---|---|---|
|
19 September - 31 December |
3.05% |
1.25% |
|
15 August - 18 September |
3.15% |
1.25% |
|
27 July - 14 August |
3.15% |
1.10% |
|
24 July - 26 July |
2.90% |
1.10% |
|
18 July - 23 July |
3.00% |
1.00% |
|
29 June - 17 July |
2.85% |
1.00% |
|
23 May - 28 June |
2.40% |
1.00% |
|
9 May - 22 May |
2.40% |
0.85% |
|
3 May - 8 May |
2.20% |
0.85% |
|
18 Apr - 2 May |
2.00% |
0.85% |
|
28 February - 17 April |
2.15% |
0.70% |
|
15 February - 27 February |
2.10% |
0.70% |
|
17 January - 14 February |
1.90% |
0.50% |
|
1 January - 16 January |
1.75% |
0.50% |
All bonus rates are effective for 12 months from account opening and apply from £1. Our standard variable rates apply from £1.
Remember: The standard variable rate can change at any time. This means the rate shown for your account’s opening date may not match your current rate. For a full list of how this may have changed, see our standard variable rate table.
All rates are Gross/AER. Interest is paid annually.
|
Date effective from |
Bonus interest rate (fixed for 12 months) |
Standard variable rate |
|---|---|---|
|
6 December - 31 December |
1.75% |
0.50% |
|
15 November - 5 December |
1.90% |
0.35% |
|
25 October - 14 November |
1.80% |
0.35% |
|
18 October - 24 October |
1.66% |
0.35% |
|
4 October - 17 October |
1.51% |
0.35% |
|
13 September - 3 October |
1.26% |
0.35% |
|
31 August - 12 September |
1.26% |
0.25% |
|
11 August - 30 August |
1.20% |
0.25% |
|
26 July - 10 August |
1.11% |
0.25% |
|
30 June - 25 July |
1.07% |
0.25% |
|
14 June - 29 June |
0.96% |
0.25% |
|
11 May - 13 June |
0.70% |
0.25% |
|
21 April - 10 May |
0.50% |
0.25% |
|
11 January - 20 April |
0.15% |
0.25% |
|
1 January - 10 January |
0.30% |
0.10% |
All bonus rates are effective for 12 months from account opening and apply from £1. Our standard variable rates apply from £1.
Remember: The standard variable rate can change at any time. This means the rate shown for your account’s opening date may not match your current rate. For a full list of how this may have changed, see our standard variable rate table.
All rates are Gross/AER. Interest is paid annually.
|
Date effective from |
Bonus interest rate (fixed for 12 months) |
Standard variable rate |
|---|---|---|
|
17 December - 31 December |
0.30% |
0.10% |
|
12 November - 16 December |
0.50% |
0.10% |
|
22 October - 11 November |
0.45% |
0.10% |
|
1 September - 21 October |
0.41% |
0.10% |
|
26 July - 31 August |
0.36% |
0.10% |
|
8 July - 25 July |
0.31% |
0.10% |
|
17 June - 7 July |
0.20% |
0.10% |
All bonus rates are effective for 12 months from account opening and apply from £1. Our standard variable rates apply from £1.
Remember: The standard variable rate can change at any time. This means the rate shown for your account’s opening date may not match your current rate.
All rates are Gross/AER. Interest is paid annually.
|
Date effective from |
Standard variable rate |
|---|---|
|
16 July 2025 - Present |
1.05% |
|
19 March 2025 - 15 July 2025 |
1.15% |
|
15 August 2023 - 18 March 2025 |
1.25% |
|
24 July 2023 - 14 August 2023 |
1.10% |
|
23 May 2023 - 23 July 2023 |
1.00% |
|
18 April 2023 - 22 May 2023 |
0.85% |
|
15 February 2023 - 17 April 2023 |
0.70% |
|
6 December 2022 - 14 February 2023 |
0.50% |
|
13 September 2022 - 5 December 2022 |
0.35% |
|
11 January 2022 - 12 September 2022 |
0.25% |
|
14 July 2020 - 10 January 2022 |
0.10% |
When you opened your Instant Access Cash ISA, a fixed bonus rate was applied for the first 12 months.
During that time, your total interest rate included both the fixed bonus and the standard variable rate. While the bonus rate remains the same throughout the 12-month period, the standard variable rate may have gone up or down.
After 12 months, the bonus rate ends and your account will earn interest at the standard variable rate only.
To learn more, visit our guide on how bonus interest rates work.
Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year.
Gross is the interest rate paid before tax is deducted.
