Cash ISA

Loughborough Building Society Access x1 Cash ISA Review

A competitive instant access cash ISA from Loughborough Building Society. It ranks 50th of 132 instant access cash ISAs we track.

Variable rate

3.55%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£10

Max balance

£150,000

Access

Limited withdrawals

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 50th of 132

Instant access cash ISAs we track

Above average
This account 3.55%
UK CPI (Aug 2026)
3.10%
Pays 0.45% more
Average instant access cash ISA
2.93%
Pays 0.62% more
Best instant access cash ISA
4.87%
Pays 1.32% 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 1.25% more than this Loughborough 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: Not flexible: money you withdraw can't be replaced without using more allowance

Good to Know

Withdrawals are restricted and you can only make one per tax year subject to the Society’s daily limits.

Please verify all details with the provider – see our Disclaimer

See all Loughborough Building Society accounts

Estimated returns with Loughborough Building Society's Cash ISA

What you could earn with Loughborough Building Society's Access x1 Cash ISA.

Estimated interest

£1,000 saved

£35.50

At 3.55% AER

£5,000 saved

£178

At 3.55% AER

£10,000 saved

£355

At 3.55% AER

£150,000 saved

£5,325

At 3.55% 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 Loughborough Building Society Access x1 Cash ISA

Jonny PeaseCo-Founder, DepositScout

The Loughborough Building Society Access x1 Cash ISA pays 3.55%, which sits below the cash ISA market average and 1.70% behind the category leader at 5.25%, so I would not call this a standout rate. It does at least beat August 2026 CPI of 3.1% by 0.45%, meaning your money holds real value in modest terms. The key catch is the limited withdrawal restriction, so this suits savers who want ISA flexibility but can largely leave the money untouched. If you want easier access at a similar or better rate, the Moneybox Open Access Cash ISA or NS&I Direct ISA both pay 3.80%.

Compare Cash ISAs

2 alternatives to Loughborough Building Society's Access x1 Cash ISA

Same type of account, closest on rate.

Common questions about the Access x1 Cash ISA

D

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