Cash ISA

Leeds Building Society E-ISA Review

An instant access cash ISA from Leeds Building Society. It ranks 117th of 132 instant access cash ISAs we track.

Variable rate

1.45%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Unlimited

Interest paid

Annually

Transfers in

Accepted

Rate Tiers

£1 and above

1.45%AER

Below £1

0.05%AER

How It Stacks Up

Ranks 117th of 132

Instant access cash ISAs we track

Well below average
This account 1.45%
UK CPI (Aug 2026)
3.10%
Pays 1.65% less
Average instant access cash ISA
2.93%
Pays 1.48% less
Best instant access cash ISA
4.87%
Pays 3.42% 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 3.35% more than this Leeds Building Society account
  • Includes a 1.20% bonus for 12 months, then 3.60%
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Pros and cons

  • Pro: New and existing savers
  • Con: The rate is variable, so it can go down

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Estimated returns with Leeds Building Society's Cash ISA

What you could earn with Leeds Building Society's E-ISA.

Estimated interest

£1,000 saved

£14.50

At 1.45% AER

£5,000 saved

£72.50

At 1.45% AER

£10,000 saved

£145

At 1.45% AER

£20,000 saved

£290

At 1.45% 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 Leeds Building Society E-ISA

Jonny PeaseCo-Founder, DepositScout

Leeds Building Society's E-ISA pays 1.45%, which is below the market average for Cash ISAs and 3.80% behind the category leader at 5.25%, so this is a hard rate to recommend on numbers alone. At 1.45% it also sits 1.65% below CPI inflation of 3.1% (Aug 2026), meaning your money is losing real value. The unlimited access and £1 minimum make it accessible, but the £20,000 cap is simply the annual ISA allowance rather than a genuine feature. I would look at alternatives first, such as Monzo's Instant Access Cash ISA at 2.75% before settling here.

Compare Cash ISAs

2 alternatives to Leeds Building Society's E-ISA

Same type of account, closest on rate.

Common questions about the E-ISA

D

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