Cash ISA

Melton Building Society 180 Day Notice Cash ISA Review

A competitive cash ISA from Melton Building Society. It ranks 69th of 137 cash ISAs we track.

Variable rate

3.20%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£25

Max balance

No limit

Access

180 Days

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 69th of 137

Cash ISAs we track

Above average
This account 3.20%
UK CPI (Aug 2026)
3.10%
Pays 0.10% more
Average cash ISA
2.98%
Pays 0.22% more
Best cash ISA
4.87%
Pays 1.67% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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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 Melton Building Society's Cash ISA

What you could earn with Melton Building Society's 180 Day Notice Cash ISA.

Estimated interest

£1,000 saved

£32.00

At 3.2% AER

£5,000 saved

£160

At 3.2% AER

£10,000 saved

£320

At 3.2% AER

£50,000 saved

£1,600

At 3.2% 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 Melton Building Society 180 Day Notice Cash ISA

Jan WatermannCo-Founder, DepositScout

Melton Building Society's 180 Day Notice Cash ISA pays 3.2%, which is below the market average for cash ISAs and sits 1.92% behind the category leader at 5.12%, so this is not a rate I would describe as competitive. It does just edge above August 2026 CPI inflation of 3.1% by 0.10%, which at least preserves real value by a thin margin. The obvious catch is the 180-day notice period, meaning you cannot access your money quickly if circumstances change. If you want something more flexible, Moneybox's Open Access Cash ISA is listed here at 3.80%.

Compare Cash ISAs

2 alternatives to Melton Building Society's 180 Day Notice Cash ISA

Same type of account, closest on rate.

Common questions about the 180 Day Notice Cash ISA

D

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4.20% AER
4.75%
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