Cash ISA

Melton Building Society Easy Access ISA Review

A competitive cash ISA from Melton Building Society. It ranks 56th of 137 cash ISAs we track.

Variable rate

3.50%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Instant

Interest paid

Annually

Transfers in

Not accepted

How It Stacks Up

Ranks 56th of 137

Cash ISAs we track

Above average
This account 3.50%
UK CPI (Aug 2026)
3.10%
Pays 0.40% more
Average cash ISA
2.98%
Pays 0.52% more
Best cash ISA
4.87%
Pays 1.37% less

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

A better-paying alternative

Trading 212 bank logo

Trading 212

Cash ISA

4.60%

AER

  • Pays 1.10% more than this Melton Building Society account
  • Includes a 1.00% 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: It doesn't accept transfers in from other ISAs

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Estimated returns with Melton Building Society's Cash ISA

What you could earn with Melton Building Society's Easy Access ISA.

Estimated interest

£1,000 saved

£35.00

At 3.5% AER

£5,000 saved

£175

At 3.5% AER

£10,000 saved

£350

At 3.5% AER

£50,000 saved

£1,750

At 3.5% 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 Easy Access ISA

Jonny PeaseCo-Founder, DepositScout

Melton Building Society's Easy Access ISA pays 3.5%, which is below the market average for Cash ISAs and sits 1.62% behind the category leader at 5.12%, so this is not a rate I would highlight for savers focused on returns. It does open with just £1, which suits anyone starting small, and it just edges above August 2026 CPI of 3.1% by 0.40%, so your money is at least growing in real terms. The catch worth noting is that it does not accept ISA transfers in, which rules it out if you want to consolidate existing ISA savings here.

Compare Cash ISAs

2 alternatives to Melton Building Society's Easy Access ISA

Same type of account, closest on rate.

Common questions about the Easy Access ISA

D

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2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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