Cash ISAs

2 Year Fixed Rate ISA Fixed until 14th December 2026
Interest rate gross/tax-free p.a./AER*	4.21%
Type of account	Fixed rate Fixed term ISA Limited access
Withdrawals	No withdrawals until 15/12/2026. Transfers to other providers subject to loss of interest
Open with	£500
Open and manage	Branch
More details

3 Year Fixed Rate ISA Fixed until 14th December 2027
Interest rate gross/tax-free p.a./AER*	4.11%
Type of account	Fixed rate Fixed term ISA Limited access
Withdrawals	No withdrawals until 15/12/2027. Transfers to other providers subject to loss of interest
Open with	£500
Open and manage	Branch
More details

5 Year Fixed Rate ISA Fixed until 14th December 2029
Interest rate gross/tax-free p.a./AER*	4.11%
Type of account	Fixed rate Fixed term ISA Limited access
Withdrawals	No withdrawals until 15/12/2026. Transfers to other providers subject to loss of interest
Open with	£500
Open and manage	Branch
More details

Five Access ISA
Interest rate gross/tax-free p.a./AER*	Conditional bonus rate: 3.75% Standard rate: 2.50%
Type of account
Withdrawals	Five withdrawals per interest year
Open with	£500
Open and manage	Branch
More details

Easy Access ISA
Interest rate gross/tax-free p.a./AER*	2.50%
Type of account
Withdrawals	Unlimited
Open with	£10
Open and manage	Branch
More details

Junior ISA
Interest rate gross/tax-free p.a./AER*	4.75%
Type of account
Withdrawals	No access until the child is 18
Open with	None
Open and manage	Branch
More details

Account Name	Interest rate gross/tax-free p.a./AER*	Type of account	Withdrawals	Open with	Open and manage
2 Year Fixed Rate ISA Fixed until 14th December 2026	4.21%	Fixed rate Fixed term ISA Limited access	No withdrawals until 15/12/2026. Transfers to other providers subject to loss of interest	£500	Branch	More details
3 Year Fixed Rate ISA Fixed until 14th December 2027	4.11%	Fixed rate Fixed term ISA Limited access	No withdrawals until 15/12/2027. Transfers to other providers subject to loss of interest	£500	Branch	More details
5 Year Fixed Rate ISA Fixed until 14th December 2029	4.11%	Fixed rate Fixed term ISA Limited access	No withdrawals until 15/12/2026. Transfers to other providers subject to loss of interest	£500	Branch	More details
Five Access ISA	Conditional bonus rate: 3.75% Standard rate: 2.50%	Instant access ISA Limited access	Five withdrawals per interest year	£500	Branch	More details
Easy Access ISA	2.50%	Instant access ISA	Unlimited	£10	Branch	More details
Junior ISA	4.75%	Children's ISA	No access until the child is 18	None	Branch	More details

What is a cash ISA?

A cash ISA is a savings account, but unlike some other savings accounts you don’t pay tax on the interest you earn. Cash ISAs can be attractive to people who normally pay tax on their savings, and you can open a cash ISA as long as you are a UK resident aged 18+.

Types of cash ISA

There are many different cash ISAs available – the most popular are:

Easy access ISA
With an easy access ISA, you can make as many withdrawals as you’d like.

Junior ISA
Along-term, tax-free savings account for children, a Junior ISA is available for children ages 18 and under.

Fixed rate ISA
A fixed rate ISA means you’re agreeing to lock your savings away for a set amount of time, but you’re also receiving a fixed rate of interest during that time.

Notice ISA
With a notice ISA, you’ll have access to your savings by giving a notice period, and, if you need to, you can make emergency withdrawals subject to an interest charge.

What is the cash ISA limit?

Each tax year (6th April-5th April) there’s a limit on how much money you can put into your ISAs. For the current tax year, the limit is £20,000.

How many cash ISAs can I have?

You can have more than one ISA, but you can’t pay into more than one cash ISA per tax year. Some ISAs will allow you to transfer previous tax years savings into a new ISA.

Is my money safe in a cash ISA?

Yes, your money is safe in one of our regular savings accounts. The Financial Services Compensation Scheme (FSCS) is there to protect your money if your financial services provider goes out of business; you’ll normally get your money back within seven days. All of our savings accounts are FSCS protected up to £85,000 per depositor. FSCS is funded by the financial services industry, and is free to consumers.

Can I withdraw my money whenever I want?

This entirely depends on the terms and type of cash ISA you have. This will determine how often you can withdraw money, whether you will be charged to withdraw and how much interest you’ll lose (if any).

Can I take money out of a cash ISA and put it back in again?

This is dependent on the type of ISA that you have. If your ISA is ‘flexible’, you can take out cash then put it back in during the same tax year, unless you are over your annual limit. If your cash ISA isn’t flexible then you won’t be able to replace any money that’s been withdrawn.

Who are Nottingham Building Society?

As a mutual building society, you own us, not shareholders. That means we pass our profits and extra benefits directly to you instead of paying dividends.

How do I open an account?

To open this savings accounts call your local branch to speak to an adviser. They'll talk you through the process of opening a branch based account.

Call your nearest branch

Savings FAQs

Scratching your head about savings? Take a look at questions that our members frequently ask us, which you might also find helpful.

Savings FAQs