What interest rate does the Cumberland Building Society Instant Cash ISA pay?

The Cumberland Building Society Instant Cash ISA pays 2.75% AER.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £275 at 2.75% AER. This assumes the rate stays the same and interest stays in the account.

How does it compare with other instant access cash ISAs?

At 2.75% AER it ranks 74th of 134 instant access cash ISAs we track. The best pays 4.87% and the average is 2.94%.

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Cash ISA

Cumberland Building Society Instant Cash ISA Review

An instant access cash ISA from Cumberland Building Society. It ranks 74th of 134 instant access cash ISAs we track.

Rate checked Oct 2026Got this account? Leave a review

Headline rate

2.75%AER

Rate checked Oct 2026Got this account? Leave a review

Min balance

£0

Max balance

No limit

How It Stacks Up

Ranks 74th of 134

Instant access cash ISAs we track

Below average

This account 2.75%

UK CPI (Aug 2026): 3.10%; Pays 0.35% less
Average instant access cash ISA: 2.94%; Pays 0.19% less
Best instant access cash ISA: 4.87%; Pays 2.12% less

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

A better-paying alternative

Trading 212

Cash ISA

4.83%

AER

Pays 2.08% more than this Cumberland Building Society account
Includes a 1.23% bonus for 12 months, then 3.60%

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Estimated returns with Cumberland Building Society's Cash ISA

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

Estimated interest

£1,000 saved

£27.50

At 2.75% AER

£5,000 saved

£138

At 2.75% AER

£10,000 saved

£275

At 2.75% AER

£50,000 saved

£1,375

At 2.75% 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 Cumberland Building Society Instant Cash ISA

Jonny PeaseCo-Founder, DepositScout

Cumberland Building Society's Instant Cash ISA pays 2.75%, which is 2.50% below the current Cash ISA market leader at 5.25%, and sits below the market average, so it is hard to make a strong case for it on rate alone. It also falls 0.35% short of August 2026 CPI inflation at 3.1%, meaning your money is losing purchasing power in real terms. That said, if you want a straightforward instant-access ISA from a regional building society, it does what it says. I would still check Tembo's HomeSaver Cash ISA at 3.00% before committing, as it edges ahead without adding complexity.

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