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Instant Access savings

Instant Access

Instant access to your money whenever you need it

Compare our Instant Access Savings Accounts

Our Instant Access Savings Accounts are designed to give you full control of your savings, allowing you access to funds as and when you need them. Ideal for your emergency savings, or to build up a savings fund.

These Interest rates are variable

             
Product name Minimum
opening balance
  AER Gross Tax Free Interest Paid
Online Cash ISA £1+
Current rate available up to 13.11.2016 0.65%
N/A 0.65% Annually on 5th April
New rate effective from 14.11.2016 0.53% 0.53%
Cash ISA £1+ Current rate available up to 13.11.2016 0.50% N/A 0.50% Annually on 5th April
New rate effective from 14.11.2016 0.37% 0.37%
Online Saver £1+ Current rate available up to 13.11.2016 0.40% 0.40% N/A Annually
New rate effective from 14.11.2016 0.31% 0.31%
Smart Saver £1+ Current rate 0.25% 0.25% N/A Annually

Personal Savings Allowance

Following the introduction of the new personal savings allowance we will pay you gross interest on your savings. For more information about this and to find out how you may need to pay tax on the interest please visit www.gov.uk/hmrc/savingsallowance

Definitions

Gross - The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).

AER - Stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Tax Free - The contractual rate of interest payable where interest is exempt from income tax.

Any reference to tax is based on our understanding of current tax regulations which may change in the future and depends on the customer’s individual financial circumstances.

The Co-operative Bank reserves the right to decline to accept any application and/or deposit.

Remember you can subscribe to a Co-operative Bank/ Britannia Cash ISA as long as you have not subscribed to another cash ISA with another provider in the current tax year.

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