Cash ISA

Bath Building Society Instant ISA Review

A cash ISA from Bath Building Society. It ranks 87th of 137 cash ISAs we track.

Variable rate

2.60%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Instant

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 87th of 137

Cash ISAs we track

Below average
This account 2.60%
UK CPI (Aug 2026)
3.10%
Pays 0.50% less
Average cash ISA
2.98%
Pays 0.38% less
Best cash ISA
4.87%
Pays 2.27% 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 2.00% more than this Bath Building Society account
  • Includes a 1.00% bonus for 12 months, then 3.60%
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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access

Worth Weighing Up

  • Con: The rate is variable, so it can go down
  • Con: Not flexible: money you withdraw can't be replaced without using more allowance

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Estimated returns with Bath Building Society's Cash ISA

What you could earn with Bath Building Society's Instant ISA.

Estimated interest

£1,000 saved

£26.00

At 2.6% AER

£5,000 saved

£130

At 2.6% AER

£10,000 saved

£260

At 2.6% AER

£20,000 saved

£520

At 2.6% 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 Bath Building Society Instant ISA

Jan WatermannCo-Founder, DepositScout

Bath Building Society's Instant ISA pays 2.60%, which is below the market average for Cash ISAs and sits 2.52% behind the category leader at 5.12%. At current CPI of 3.1%, the rate is also 0.50% below inflation, so your money loses purchasing power in real terms. The cap of £20,000 means it suits someone depositing a single year's ISA allowance, but given the alternatives, I would at least compare Moneybox's Open Access Cash ISA at 3.80% before committing. The one practical catch here is that withdrawals are by branch cheque only, so this is not a convenient option if you are not near Bath.

Compare Cash ISAs

2 alternatives to Bath Building Society's Instant ISA

Same type of account, closest on rate.

Common questions about the Instant ISA

D

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Easy Access rate just dropped

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Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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