Cash ISA: Instant Access and Fixed Rate ISAs

ISAs

We have two kinds of cash ISA. Fixed Rate Cash ISAs give you a fixed interest rate for a set time, but you have restricted access to them. Cash ISAs have a variable rate of interest, but are instant access (and stay open for as long as you like).

You can earn tax-free interest on this savings account.
Take advantage of your ISA allowance.

What’s an ISA allowance?

Compare ISAs

	smile Cash ISA	Fixed Rate Cash ISA fixed until 05/04/2020	Fixed Rate Cash ISA fixed until 05/04/2021
Minimum opening balance	£1	£5,000	£5,000
Type of interest	Variable	Fixed	Fixed
Tax-free / AER for smile current account customers	0.59%	1.40%	1.61%
Tax-free / AER for non-smile current account customers	0.56%	1.40%	1.61%
Interest paid	Annually on 5 April	Annually on 5 April	Annually on 5 April
	Learn more	Learn more	Learn more

smile Cash ISA
Minimum opening balance	£1
Type of interest	Variable
Tax-free / AER for smile current account customers	0.59%
Tax-free / AER for non-smile current account customers	0.56%
Interest paid	Annually on 5 April
Learn more

Fixed Rate Cash ISA fixed until 05/04/2020
Minimum opening balance	£5,000
Type of interest	Fixed
Tax-free / AER for smile current account customers	1.40%
Tax-free / AER for non-smile current account customers	1.40%
Interest paid	Annually on 5 April
Learn more

Fixed Rate Cash ISA fixed until 05/04/2021
Minimum opening balance	£5,000
Type of interest	Fixed
Tax-free / AER for smile current account customers	1.61%
Tax-free / AER for non-smile current account customers	1.61%
Interest paid	Annually on 5 April
Learn more

Unanswered questions?

Help for existing customers

Get extra information about applications, rates and accessing your savings account.

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We’re part of The Co‑operative Bank, and we share the same ethical values too.

smile, Britannia and The Co‑operative Bank are trading names of The Co‑operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).

The Co‑operative Bank reserves the right to decline any application.

References to tax are based on our understanding of current tax regulations - these may change and depend on the customer’s individual financial circumstances.

You can subscribe to a smile/Co‑operative Bank/Britannia Cash ISA if you have not subscribed to another cash ISA with another provider in the current tax year.