Cash ISA

Scottish Building Society Single Access Cash ISA Review

A competitive instant access cash ISA from Scottish Building Society. It ranks 45th of 132 instant access cash ISAs we track.

Variable rate

3.65%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£100

Max balance

£20,000

Access

Limited withdrawals

Interest paid

Yearly

Transfers in

Accepted

How It Stacks Up

Ranks 45th of 132

Instant access cash ISAs we track

Above average
This account 3.65%
UK CPI (Aug 2026)
3.10%
Pays 0.55% more
Average instant access cash ISA
2.93%
Pays 0.72% more
Best instant access cash ISA
4.87%
Pays 1.22% 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 1.15% more than this Scottish Building Society account
  • Includes a 1.20% bonus for 12 months, then 3.60%
Compare Cash ISAs

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A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: The rate is variable, so it can go down
  • Con: Not flexible: money you withdraw can't be replaced without using more allowance

Good to Know

This account is designed for limited access. If you try to make a second withdrawal within the same 12-month period you won’t be able to withdraw again unless the account is closed.

Please verify all details with the provider – see our Disclaimer

See all Scottish Building Society accounts

Estimated returns with Scottish Building Society's Cash ISA

What you could earn with Scottish Building Society's Single Access Cash ISA.

Estimated interest

£1,000 saved

£36.50

At 3.65% AER

£5,000 saved

£182

At 3.65% AER

£10,000 saved

£365

At 3.65% AER

£20,000 saved

£730

At 3.65% 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 Scottish Building Society Single Access Cash ISA

Jan WatermannCo-Founder, DepositScout

Scottish Building Society's Single Access Cash ISA pays 3.65%, which is below the market average for Cash ISAs and 1.60% behind the category leader at 5.25%. It does beat August 2026 CPI of 3.1% by 0.55%, so your money holds real value, but only just. The name says it all on the catch: withdrawals are limited, and the £20,000 cap means it suits ISA allowance top-ups rather than larger pots. Kent Reliance's Branch Easy Access ISA at 3.85% is worth a look if you want a better rate.

Compare Cash ISAs

2 alternatives to Scottish Building Society's Single Access Cash ISA

Same type of account, closest on rate.

Common questions about the Single Access Cash ISA

D

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