Instant access
Our instant access savings accounts let you take full control of your money, with the option to make payments whenever you need to.
Looking for a fixed rate savings account instead?-
To apply, you must be:
- A UK resident.
- 16 or over.
- Registered and apply through online banking.
- A Co-operative Bank current account customer.
Approval is based on an assessment of your personal circumstances.
Learn more -
To apply, you need to be:
- A UK resident.
- 16 or over.
Approval is based on an assessment of your personal circumstances.
Learn more
Prefer an ISA with instant access?
Online Cash ISA
- Earn 0.56% tax-free AER variable, paid annually on 5 April.
- Open your account with £1.
- Make withdrawals and deposits using mobile app and online banking.
Cash ISA
- Earn 0.46% tax-free AER variable, paid annually on 5 April.
- Open your account with £1.
- Access your account online, using our mobile app, in branch or over the phone, and deposit cheques at your local Post Office®.
Compare our instant access savings accounts
The main difference is how you access and manage your account.
| Online Saver | |
|---|---|
| Interest paid annually | |
| 0.56% Gross / AER variable | |
| Find out more | |
| Smart Saver | |
|---|---|
| Interest paid annually | |
| 0.34% Gross / AER variable | |
| Find out more | |
Tools
Our savings tools can help you plan a budget and learn more about our ISAs.
Still undecided about which ISA?
Use our ISA Selector to help find the right one for you.
ISA SelectorHelp for existing customers
Help and information about savings accounts for our existing customers.
Any reference to tax is based on our understanding of current tax regulations which may change in the future and depends on your individual financial circumstances.
The Co-operative Bank reserves the right to decline or accept any application and/or deposit.
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).
Contact us
If you'd like more help & information, you can:
