Cash ISA

Monmouthshire Building Society Instant Access Tracker Cash ISA Review

A competitive cash ISA from Monmouthshire Building Society. It ranks 65th of 137 cash ISAs we track.

Variable rate

3.25%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

Annually

How It Stacks Up

Ranks 65th of 137

Cash ISAs we track

Above average
This account 3.25%
UK CPI (Aug 2026)
3.10%
Pays 0.15% more
Average cash ISA
2.98%
Pays 0.27% more
Best cash ISA
4.87%
Pays 1.62% 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 1.35% more than this Monmouthshire Building Society account
  • Includes a 1.00% bonus for 12 months, then 3.60%
Compare Cash ISAs

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Pros and cons

  • Pro: Savers who want instant access
  • Con: The rate is variable, so it can go down

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Estimated returns with Monmouthshire Building Society's Cash ISA

What you could earn with Monmouthshire Building Society's Instant Access Tracker Cash ISA.

Estimated interest

£1,000 saved

£32.50

At 3.25% AER

£5,000 saved

£162

At 3.25% AER

£10,000 saved

£325

At 3.25% AER

£20,000 saved

£650

At 3.25% 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 Monmouthshire Building Society Instant Access Tracker Cash ISA

Jonny PeaseCo-Founder, DepositScout

Monmouthshire Building Society's Instant Access Tracker Cash ISA pays 3.25%, which is below the market average for cash ISAs and sits 1.87% behind the category leader at 5.12%, so I would not call this rate particularly strong. It does nudge 0.15% ahead of CPI inflation (3.1% as of Aug 2026), which at least preserves purchasing power in real terms. The cap of £20,000 means you can deposit a full annual ISA allowance but no more, and instant access suits savers who want flexibility. If the rate is the priority, Moneybox's Open Access Cash ISA at 3.80% is worth a look.

Compare Cash ISAs

2 alternatives to Monmouthshire Building Society's Instant Access Tracker Cash ISA

Same type of account, closest on rate.

Common questions about the Instant Access Tracker Cash ISA

D

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Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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