Cash ISA

Loughborough Building Society Access x3 Cash ISA Review

A competitive instant access cash ISA from Loughborough Building Society. It ranks 65th of 132 instant access cash ISAs we track.

Variable rate

3.10%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 65th of 132

Instant access cash ISAs we track

Above average
This account 3.10%
UK CPI (Aug 2026)
3.10%
About the same
Average instant access cash ISA
2.93%
Pays 0.17% more
Best instant access cash ISA
4.87%
Pays 1.77% 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 1.70% more than this Loughborough Building Society account
  • Includes a 1.20% bonus for 12 months, then 3.60%
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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

Instant access withdrawals permitted 3 times 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 x3 Cash ISA.

Estimated interest

£1,000 saved

£31.00

At 3.1% AER

£5,000 saved

£155

At 3.1% AER

£10,000 saved

£310

At 3.1% AER

£150,000 saved

£4,650

At 3.1% 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 x3 Cash ISA

Jonny PeaseCo-Founder, DepositScout

The Access x3 Cash ISA pays 3.10%, which is below the market average for cash ISAs and sits 2.15% behind the category leader at 5.25%, so I would not choose it on rate alone. It does at least match inflation exactly, with CPI at 3.1% in Aug 2026, meaning your money holds its real value by the narrowest of margins. The genuine catch is the limited withdrawals, so if you need flexible access you should look elsewhere, and Sidekick's Cash ISA at 3.23% or Monzo's Select Access Cash ISA at 3.15% would both be worth a look first.

Compare Cash ISAs

2 alternatives to Loughborough Building Society's Access x3 Cash ISA

Same type of account, closest on rate.

Common questions about the Access x3 Cash ISA

D

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