Cash ISA

Monument Bank Easy Access Cash ISA Review

A competitive instant access cash ISA from Monument Bank, with a £10,000 minimum deposit. It ranks 43rd of 132 instant access cash ISAs we track.

Variable rate

3.74%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£10,000

Max balance

£2,000,000

Access

Instant, via app

Interest paid

Monthly

Transfers in

Accepted

How It Stacks Up

Ranks 43rd of 132

Instant access cash ISAs we track

Above average
This account 3.74%
UK CPI (Aug 2026)
3.10%
Pays 0.64% more
Average instant access cash ISA
2.93%
Pays 0.81% more
Best instant access cash ISA
4.87%
Pays 1.13% 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 1.06% more than this Monument Bank account
  • Includes a 1.20% 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
  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: The rate is variable, so it can go down
  • Con: You need at least £10,000 to open it

Please verify all details with the provider – see our Disclaimer

See all Monument Bank accounts

Estimated returns with Monument Bank's Cash ISA

What you could earn with Monument Bank's Easy Access Cash ISA.

Estimated interest

£10,000 saved

£374

At 3.74% AER

£50,000 saved

£1,870

At 3.74% AER

£2,000,000 saved

£74,800

At 3.74% 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 Monument Bank Easy Access Cash ISA

Jan WatermannCo-Founder, DepositScout

Monument Bank's Easy Access Cash ISA pays 3.74%, which is below the market average for cash ISAs and sits 1.51% behind the category leader at 5.25%, so I would not call this a standout rate. It does at least beat August 2026 CPI of 3.1% by 0.64%, meaning your money holds real value in the short term. The £10,000 minimum is a genuine barrier, ruling out savers who cannot meet that threshold, though the account accepts transfers in and pays interest monthly via the app. If you want easy access with a lower entry point, Kent Reliance's Branch Easy Access ISA offers 3.85%.

Compare Cash ISAs

2 alternatives to Monument Bank's Easy Access Cash ISA

Same type of account, closest on rate.

Common questions about the Easy Access Cash ISA

D

DepositScout Alerts

Example alert

Easy Access rate just dropped

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

Example Easy Access Saver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this Monument 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