What interest rate does the Swansea Building Society Instant Access Cash ISA pay?

The Swansea Building Society Instant Access Cash ISA pays 3.25% AER variable.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £325 at 3.25% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £1 and up to £20,000.

Who can open this account?

New and existing Swansea Building Society customers can open it. You can open it in branch or by post.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

Can I transfer an existing ISA in?

Yes, transfers in from other ISAs are accepted.

How does it compare with other instant access cash ISAs?

At 3.25% AER it ranks 59th of 131 instant access cash ISAs we track. The best pays 4.87% and the average is 2.94%.

Swansea Building Society Instant Access Cash ISA Review: 3.25% AER (Oct 2026)

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

Instant

Interest paid

Annually

Transfers in

Accepted

How It Stacks Up

Ranks 59th of 131

Instant access cash ISAs we track

Above average

This account 3.25%

UK CPI (Aug 2026): 3.10%; Pays 0.15% more
Average instant access cash ISA: 2.94%; Pays 0.31% more
Best instant access cash ISA: 4.87%; Pays 1.62% less

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

A better-paying alternative

Trading 212

Cash ISA

4.80%

AER

Pays 1.55% more than this Swansea 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
Pro: Savers who want instant access
Pro: Flexible: take money out and put it back in the same tax year without using more allowance

Worth Weighing Up

Con: The rate is variable, so it can go down

Good to Know

Age 18+, sole name only, one per person. New applicants must live in Wales; existing Swansea members anywhere in the UK can also open one. Only one Swansea Cash ISA can take this tax year's subscriptions.

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Estimated returns with Swansea Building Society's Cash ISA

What you could earn with Swansea Building Society's Instant Access Cash ISA.

Estimated interest

£1,000 saved

£32.50

At 3.25% AER

£5,000 saved

£162

At 3.25% AER

£10,000 saved

£325

At 3.25% AER

£20,000 saved

£650

At 3.25% 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.

Common questions about the Instant Access Cash ISA

Swansea Building Society Instant Access Cash ISA Review

How It Stacks Up

A Good Fit For

Worth Weighing Up

Good to Know

Estimated returns with Swansea Building Society's Cash ISA

2 alternatives to Swansea Building Society's Instant Access Cash ISA3 alternatives to Swansea Building Society's Instant Access Cash ISA

Common questions about the Instant Access Cash ISA

Easy Access rate just dropped

Be the first to know when this Swansea Building Society rate drops.

Swansea Building Society Instant Access Cash ISA Review

How It Stacks Up

A Good Fit For

Worth Weighing Up

Good to Know

Estimated returns with Swansea Building Society's Cash ISA

2 alternatives to Swansea Building Society's Instant Access Cash ISA3 alternatives to Swansea Building Society's Instant Access Cash ISA

Common questions about the Instant Access Cash ISA

What interest rate does the Swansea Building Society Instant Access Cash ISA pay?

How much interest could I earn?

How much can I pay in?

Can I withdraw my money?

When is interest paid?

Who can open this account?

Is my money protected?

Can I transfer an existing ISA in?

How does it compare with other instant access cash ISAs?

Easy Access rate just dropped

Be the first to know when this Swansea Building Society rate drops.