Cash ISA

Royal Bank of Scotland Instant Access ISA Review

A cash ISA from Royal Bank of Scotland. It ranks 125th of 137 cash ISAs we track.

Headline rate

1.15%AER

Up to 2.45% on some tiers

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

No limit

Access

Instant

Interest paid

Annually

Transfers in

Accepted

Royal Bank of Scotland is also paying up to £500 to switch your current account.

See the switch offer

Rate Tiers

£1 – £24,999

1.15%AER

£25,000+

2.45%AER

How It Stacks Up

Ranks 125th of 137

Cash ISAs we track

Well below average
This account 1.15%
UK CPI (Aug 2026)
3.10%
Pays 1.95% less
Average cash ISA
2.98%
Pays 1.83% less
Best cash ISA
4.87%
Pays 3.72% 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 3.45% more than this Royal Bank of Scotland 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

Open to existing Royal Bank of Scotland current account customers aged 18+ who are UK tax residents; account can be opened via mobile app, online, by telephone, or in branch with own device.

Please verify all details with the provider – see our Disclaimer

See all Royal Bank of Scotland accounts

Estimated returns with Royal Bank of Scotland's Cash ISA

What you could earn with Royal Bank of Scotland's Instant Access ISA.

Estimated interest

£1,000 saved

£11.50

At 1.15% AER

£5,000 saved

£57.50

At 1.15% AER

£10,000 saved

£115

At 1.15% AER

£50,000 saved

£1,225

At 2.45% 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 Royal Bank of Scotland Instant Access ISA

Jan WatermannCo-Founder, DepositScout

Royal Bank of Scotland's Instant Access ISA pays 1.15% on balances up to £24,999, rising to 2.45% on £25,000 or more, with interest paid once a year in April. Even at the higher tier, this account sits below the market average for Cash ISAs, and the headline rate is 3.97% behind the current market leader at 5.12%, which is a significant gap. At 1.15%, you are also losing ground to inflation by 1.95% against August 2026 CPI of 3.1%. If you want instant access and a better return, Moneybox's Open Access Cash ISA at 3.80% is worth a look.

Compare Cash ISAs

2 alternatives to Royal Bank of Scotland's Instant Access ISA

Same type of account, closest on rate.

Common questions about the Instant Access 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 Royal Bank of Scotland 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