What interest rate does the West Brom Building Society Limited Access ISA pay?

The West Brom Building Society Limited Access ISA pays 2.00% AER variable.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £200 at 2.00% 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 £1,000,000.

When is interest paid?

Interest is paid annually or monthly.

Who can open this account?

New and existing West Brom Building Society customers can open it. You can open it online or in branch.

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 cash ISAs?

At 2.00% AER it ranks 108th of 137 cash ISAs we track. The best pays 4.87% and the average is 2.98%.

West Brom Building Society Limited Access ISA Review: 2.00% AER (Oct 2026)

Q: Can I withdraw my money?

Access: Rate drops if 7+ withdrawals/year.

Protection

FSCS£120,000

Min balance

£1

Max balance

£1,000,000

Access

Rate drops if 7+ withdrawals/year

Interest paid

Annually or Monthly

Transfers in

Accepted

Rate Tiers

Up to 6 withdrawals

2.00%AER

Standard rate for up to 6 withdrawals per account year

7 or more withdrawals

1.40%AER

Reduced rate applies for rest of account year after 7th withdrawal

How It Stacks Up

Ranks 108th of 137

Cash ISAs we track

Well below average

This account 2.00%

UK CPI (Aug 2026): 3.10%; Pays 1.10% less
Average cash ISA: 2.98%; Pays 0.98% less
Best cash ISA: 4.87%; Pays 2.87% less

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

A better-paying alternative

Trading 212

Cash ISA

4.60%

AER

Pays 2.60% more than this West Brom Building Society account
Includes a 1.00% 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 a monthly income

Worth Weighing Up

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

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Estimated returns with West Brom Building Society's Cash ISA

What you could earn with West Brom Building Society's Limited Access ISA.

Estimated interest

£1,000 saved

£20.00

At 2% AER

£5,000 saved

£100

At 2% AER

£10,000 saved

£200

At 2% AER

£1,000,000 saved

£20,000

At 2% 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 Limited Access ISA

West Brom Building Society Limited Access ISA Review

Rate Tiers

How It Stacks Up

A Good Fit For

Worth Weighing Up

Estimated returns with West Brom Building Society's Cash ISA

Our Expert Opinion on West Brom Building Society Limited Access ISA

2 alternatives to West Brom Building Society's Limited Access ISA3 alternatives to West Brom Building Society's Limited Access ISA

Common questions about the Limited Access ISA

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