Protection
FSCS£120,000
Min balance
£100
Max balance
£250,000
Access
Limited withdrawals
Interest paid
Yearly
Transfers in
Accepted
Rate Tiers
Up to 2 withdrawals per year
3.90%AER
Standard rate
More than 2 withdrawals per year
1.25%AER
Rate applies for remainder of that calendar year
How It Stacks Up
Ranks 31st of 132
Instant access cash ISAs we track
This account 3.90%
- UK CPI (Aug 2026)
- 3.10%
- Pays 0.80% more
- Average instant access cash ISA
- 2.93%
- Pays 0.97% more
- Best instant access cash ISA
- 4.87%
- Pays 0.97% less
Inflation: ONS. Averages and best rates: accounts on DepositScout.
A better-paying alternative
Trading 212
Cash ISA
4.80%
AER
- Pays 0.90% more than this Teachers Building Society 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: 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
Up to 2 penalty-free withdrawals permitted per calendar year.
Please verify all details with the provider – see our Disclaimer
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