Cash ISA

Loughborough Building Society Instant Access Cash ISA Review

An instant access cash ISA from Loughborough Building Society. It ranks 77th of 132 instant access cash ISAs we track.

Variable rate

2.60%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Instant

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 77th of 132

Instant access cash ISAs we track

Below average
This account 2.60%
UK CPI (Aug 2026)
3.10%
Pays 0.50% less
Average instant access cash ISA
2.93%
Pays 0.33% less
Best instant access cash ISA
4.87%
Pays 2.27% 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 2.20% 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
  • Pro: Savers who want instant access

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, 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 Instant Access Cash ISA.

Estimated interest

£1,000 saved

£26.00

At 2.6% AER

£5,000 saved

£130

At 2.6% AER

£10,000 saved

£260

At 2.6% AER

£20,000 saved

£520

At 2.6% 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 Instant Access Cash ISA

Jonny PeaseCo-Founder, DepositScout

This instant access Cash ISA from Loughborough Building Society pays 2.60%, which is below the market average for Cash ISAs and sits 2.65% behind the category leader at 5.25%, so it is hard to recommend on rate alone. At current CPI of 3.1%, the 2.60% rate is also 0.50% below inflation, meaning your money is losing real value. The £20,000 cap is worth noting as a genuine constraint if you hold existing ISA savings you want to transfer in. If you want instant access within a similar range, Monzo's Instant Access Cash ISA pays 2.75%, or Tembo's HomeSaver Cash ISA pays 3.00%.

Compare Cash ISAs

2 alternatives to Loughborough 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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