Cash ISA

Bank of Ireland UK Online ISA Holding Account Review

An instant access cash ISA from Bank of Ireland UK. It ranks 126th of 132 instant access cash ISAs we track.

Variable rate

0.90%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

No limit

Access

Instant

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 126th of 132

Instant access cash ISAs we track

Well below average
This account 0.90%
UK CPI (Aug 2026)
3.10%
Pays 2.20% less
Average instant access cash ISA
2.93%
Pays 2.03% less
Best instant access cash ISA
4.87%
Pays 3.97% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.80%

AER

  • Pays 3.90% more than this Bank of Ireland account
  • Includes a 1.20% bonus for 12 months, then 3.60%
Compare Cash ISAs

We may earn a commission if you open this account.

A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access
  • Pro: Flexible: take money out and put it back in the same tax year without using more allowance

Worth Weighing Up

  • Con: The rate is variable, so it can go down

Please verify all details with the provider – see our Disclaimer

See all Bank of Ireland UK accounts

Estimated returns with Bank of Ireland UK's Cash ISA

What you could earn with Bank of Ireland UK's Online ISA Holding Account.

Estimated interest

£1,000 saved

£9.00

At 0.9% AER

£5,000 saved

£45.00

At 0.9% AER

£10,000 saved

£90.00

At 0.9% AER

£50,000 saved

£450

At 0.9% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Bank of Ireland UK Online ISA Holding Account

Jonny PeaseCo-Founder, DepositScout

At 0.90%, the Bank of Ireland UK Online ISA Holding Account sits 4.35% below the best Cash ISA rate on the market at 5.25%, and it is also 2.20% below current CPI inflation of 3.1%, meaning your money is losing real purchasing power. This account is below the market average, so it really only makes sense as a temporary parking spot while you arrange a transfer to something more competitive. There are no withdrawal penalties or early closure charges, which at least makes it easy to move on. Monzo's Instant Access Cash ISA at 2.75% would be a more productive home for the same flexibility.

Compare Cash ISAs

2 alternatives to Bank of Ireland UK's Online ISA Holding Account

Same type of account, closest on rate.

Common questions about the Online ISA Holding Account

D

DepositScout Alerts

Example alert

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Example Easy Access Saver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this Bank of Ireland UK rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time