Bath Building Society Limited Access ISA Review

A competitive cash ISA from Bath Building Society. It ranks 50th of 137 cash ISAs we track.

Variable rate

3.65%AER

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Two withdrawals

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 50th of 137

Cash ISAs we track

Above average
This account 3.65%
UK CPI (Aug 2026)
3.10%
Pays 0.55% more
Average cash ISA
2.98%
Pays 0.67% more
Best cash ISA
4.87%
Pays 1.22% 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 0.95% more than this Bath Building Society 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

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

Good to Know

If you make more than two withdrawals in a year, we will change your account to an Instant ISA.

Please verify all details with the provider – see our Disclaimer

See all Bath Building Society accounts

Estimated returns with Bath Building Society's Cash ISA

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

Estimated interest

£1,000 saved

£36.50

At 3.65% AER

£5,000 saved

£182

At 3.65% AER

£10,000 saved

£365

At 3.65% AER

£20,000 saved

£730

At 3.65% 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 Limited Access ISA

Jan WatermannCo-Founder, DepositScout

Bath Building Society's Limited Access ISA pays 3.65%, which is below the market average for Cash ISAs and 1.47% behind the category leader at 5.12%. It does beat August 2026 CPI of 3.1% by 0.55%, so your money holds real value, but only just. The genuine catch is the two-withdrawal limit per calendar year, which suits disciplined savers who rarely touch their ISA. If you want easier access at a better rate, Tembo's Standard Cash ISA pays 4.00% and accepts transfers in.

Compare Cash ISAs

2 alternatives to Bath Building Society's Limited Access ISA

Same type of account, closest on rate.

Common questions about the Limited Access ISA

D

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Easy Access rate just dropped

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

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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