Cash ISA

Earl Shilton Building Society Instant Access Cash ISA Review

An instant access cash ISA from Earl Shilton Building Society. It ranks 87th of 132 instant access cash ISAs we track.

Variable rate

2.40%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£10

Max balance

No limit

Access

Instant

Interest paid

Annually

How It Stacks Up

Ranks 87th of 132

Instant access cash ISAs we track

Well below average
This account 2.40%
UK CPI (Aug 2026)
3.10%
Pays 0.70% less
Average instant access cash ISA
2.93%
Pays 0.53% less
Best instant access cash ISA
4.87%
Pays 2.47% 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 2.40% more than this Earl Shilton Building Society account
  • Includes a 1.20% bonus for 12 months, then 3.60%
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Pros and cons

  • Pro: Savers who want instant access
  • Con: The rate is variable, so it can go down

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Estimated returns with Earl Shilton Building Society's Cash ISA

What you could earn with Earl Shilton Building Society's Instant Access Cash ISA.

Estimated interest

£1,000 saved

£24.00

At 2.4% AER

£5,000 saved

£120

At 2.4% AER

£10,000 saved

£240

At 2.4% AER

£50,000 saved

£1,200

At 2.4% 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 Earl Shilton Building Society Instant Access Cash ISA

Jonny PeaseCo-Founder, DepositScout

Earl Shilton's Instant Access Cash ISA pays 2.4%, which is below the market average for Cash ISAs and sits 2.85% behind the category leader at 5.25%, so this is not a rate I would lead with. It also falls 0.70% below August 2026 CPI of 3.1%, meaning your money is losing purchasing power in real terms. The £10 minimum is about as low as it gets, which suits someone just starting out, but if rate matters more than loyalty to a local mutual, Monzo's Instant Access Cash ISA at 2.75% is worth a look.

Compare Cash ISAs

2 alternatives to Earl Shilton Building Society's Instant Access Cash ISA

Same type of account, closest on rate.

Common questions about the Instant Access Cash ISA

D

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4.20% AER
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