Cash ISA

Bank of Scotland Access Cash ISA Review

A cash ISA from Bank of Scotland. It ranks 134th of 137 cash ISAs we track.

Variable rate

0.75%AER

Up to 1.00% on some tiers

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Instant

Interest paid

Annually

Transfers in

Accepted

Rate Tiers

£1 – £24,999

0.75%AER

£25,000 – £99,999

0.90%AER

£100,000+

1.00%AER

How It Stacks Up

Ranks 134th of 137

Cash ISAs we track

Well below average
This account 0.75%
UK CPI (Aug 2026)
3.10%
Pays 2.35% less
Average cash ISA
2.98%
Pays 2.23% less
Best cash ISA
4.87%
Pays 4.12% less

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

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.60%

AER

  • Pays 3.85% more than this Bank of Scotland account
  • Includes a 1.00% bonus for 12 months, then 3.60%
Compare Cash ISAs

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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

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Estimated returns with Bank of Scotland's Cash ISA

What you could earn with Bank of Scotland's Access Cash ISA.

Estimated interest

£1,000 saved

£7.50

At 0.75% AER

£5,000 saved

£37.50

At 0.75% AER

£10,000 saved

£75.00

At 0.75% AER

£20,000 saved

£150

At 0.75% 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 Scotland Access Cash ISA

Jan WatermannCo-Founder, DepositScout

At 0.75%, this account sits well below the Cash ISA market average and 4.37% behind the current market leader at 5.12%, so it is hard to recommend on rate alone. With CPI at 3.1% as of Aug 2026, the real return is -2.35%, meaning your money is losing purchasing power in this account. The tiered structure does nudge the rate up to 0.90% between £25,000 and £99,999 and 1.00% at £100,000 or more, but even those tiers remain deeply uncompetitive. If you want instant-access ISA flexibility, Moneybox's Open Access Cash ISA at 3.80% is worth a look instead.

Compare Cash ISAs

2 alternatives to Bank of Scotland's Access Cash ISA

Same type of account, closest on rate.

Common questions about the Access Cash ISA

D

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Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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