Cash ISA

Stafford Building Society Notice 45 Cash ISA Review

A competitive cash ISA from Stafford Building Society. It ranks 71st of 137 cash ISAs we track.

Variable rate

3.15%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£100

Max balance

No limit

Access

45 Days

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 71st of 137

Cash ISAs we track

Above average
This account 3.15%
UK CPI (Aug 2026)
3.10%
About the same
Average cash ISA
2.98%
Pays 0.17% more
Best cash ISA
4.87%
Pays 1.72% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare cash ISAs

Pros and cons

  • Pro: New and existing savers
  • Con: The rate is variable, so it can go down

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Estimated returns with Stafford Building Society's Cash ISA

What you could earn with Stafford Building Society's Notice 45 Cash ISA.

Estimated interest

£1,000 saved

£31.50

At 3.15% AER

£5,000 saved

£158

At 3.15% AER

£10,000 saved

£315

At 3.15% AER

£50,000 saved

£1,575

At 3.15% 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 Stafford Building Society Notice 45 Cash ISA

Jonny PeaseCo-Founder, DepositScout

Stafford Building Society's Notice 45 Cash ISA pays 3.15%, which is below the cash ISA market average and 1.97% behind the category leader at 5.12%, so this is not a rate I would lead with. It barely clears August 2026 CPI inflation at 3.1%, leaving just 0.05% of real return. The 45-day notice period is the main practical catch, meaning you cannot access your money quickly if you need it. If you want something more flexible or better paying, Moneybox's Open Access Cash ISA is listed at 3.80% and is worth a look.

Compare Cash ISAs

2 alternatives to Stafford Building Society's Notice 45 Cash ISA

Same type of account, closest on rate.

Common questions about the Notice 45 Cash ISA

D

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4.75%
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