Cash ISA

Leeds Building Society Online Access Cash ISA Review

One of the best-paying instant access cash ISAs, from Leeds Building Society, with a £1,000 minimum deposit. It ranks 17th of 132 instant access cash ISAs we track.

Variable rate

4.16%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£20,000

Access

Unlimited

Interest paid

Annually

Transfers in

Accepted

Rate Tiers

Below £1,000

0.05%AER

£1,000+

4.16%AER

How It Stacks Up

Ranks 17th of 132

Instant access cash ISAs we track

Among the best
This account 4.16%
UK CPI (Aug 2026)
3.10%
Pays 1.06% more
Average instant access cash ISA
2.93%
Pays 1.23% more
Best instant access cash ISA
4.87%
Pays 0.71% 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 0.64% more than this Leeds Building Society account
  • Includes a 1.20% 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: You need at least £1,000 to open it

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Estimated returns with Leeds Building Society's Cash ISA

What you could earn with Leeds Building Society's Online Access Cash ISA.

Estimated interest

£1,000 saved

£41.60

At 4.16% AER

£5,000 saved

£208

At 4.16% AER

£10,000 saved

£416

At 4.16% AER

£20,000 saved

£832

At 4.16% 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 Online Access Cash ISA

Jan WatermannCo-Founder, DepositScout

This account pays 4.16% on balances of £1,000 or more, which beats August 2026 CPI of 3.1% by 1.06%, but it sits below the cash ISA market average and 1.09% behind the category leader at 5.25%, so it is hard to recommend it on rate alone. The £20,000 cap is also worth noting if you are planning to transfer in a larger existing ISA pot. If you want easy-access ISA flexibility and can live with a modest rate, it is a reasonable fit, but Kent Reliance's Easy Access Cash ISA at 4.24% is worth a look first.

Compare Cash ISAs

2 alternatives to Leeds Building Society's Online Access Cash ISA

Same type of account, closest on rate.

Common questions about the Online Access Cash ISA

D

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