Cash ISA

Metro Bank Instant Access Cash ISA Review

A cash ISA from Metro Bank. It ranks 131st of 137 cash ISAs we track.

Headline rate

0.90%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

Accepted

How It Stacks Up

Ranks 131st of 137

Cash ISAs we track

Well below average
This account 0.90%
UK CPI (Aug 2026)
3.10%
Pays 2.20% less
Average cash ISA
2.98%
Pays 2.08% less
Best cash ISA
4.87%
Pays 3.97% 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 3.70% more than this Metro Bank account
  • Includes a 1.00% bonus for 12 months, then 3.60%
Compare Cash ISAs

We may earn a commission if you open this account.

A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access

Good to Know

Flexible ISA

Please verify all details with the provider – see our Disclaimer

See all Metro Bank accounts

Estimated returns with Metro Bank's Cash ISA

What you could earn with Metro Bank's Instant Access Cash ISA.

Estimated interest

£1,000 saved

£9.00

At 0.9% AER

£5,000 saved

£45.00

At 0.9% AER

£10,000 saved

£90.00

At 0.9% AER

£50,000 saved

£450

At 0.9% 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 Metro Bank Instant Access Cash ISA

Jan WatermannCo-Founder, DepositScout

Metro Bank's Instant Access Cash ISA pays 0.90%, which is below the market average for Cash ISAs and 4.22% behind the current market leader at 5.12%. At that rate, you are also losing ground to inflation in real terms, sitting 2.20% below CPI of 3.1% as of Aug 2026. The flexible ISA wrapper is a genuine plus, letting you replace withdrawn funds before 5 April without losing your allowance, but the rate alone makes it hard to recommend when alternatives like Moneybox's Open Access Cash ISA are paying 3.80%.

Compare Cash ISAs

2 alternatives to Metro Bank's Instant Access Cash ISA

Same type of account, closest on rate.

Common questions about the Instant Access Cash ISA

D

DepositScout Alerts

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%
View Best Rates
Live Market Tracking

Be the first to know when this Metro Bank rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time