Protection
FSCS£120,000
Min balance
£10,000
Max balance
£2,000,000
Access
Instant, via app
Interest paid
Monthly
Transfers in
Accepted
The Rate You'll Get
New customers
Bonus4.34%AER
Includes a 0.60% boost for 12 months
Standard rate (after 12 months)
3.74%AER
How It Stacks Up
Ranks 8th of 132
Instant access cash ISAs we track
This account 4.34%
- UK CPI (Aug 2026)
- 3.10%
- Pays 1.24% more
- Average instant access cash ISA
- 2.93%
- Pays 1.41% more
- Best instant access cash ISA
- 4.87%
- Pays 0.53% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.80%
AER
- Pays 0.46% more than this Monument Bank account
- Includes a 1.20% bonus for 12 months, then 3.60%
We may earn a commission if you open this account.
A Good Fit For
- Pro: Savers who want instant access
- Pro: Savers who want a monthly income
Worth Weighing Up
- Con: Rate drops to 3.74% after 12 months
- Con: The rate is variable, so it can go down
- Con: Only open to people new to Monument Bank
- Con: You need at least £10,000 to open it
Good to Know
Includes 0.60% AER fixed bonus for first 12 months (new clients only)
Please verify all details with the provider – see our Disclaimer
See all Monument Bank accounts
