Limited access
How does limited access help me save?
In return for less access to your money, you get a better interest rate that helps grow your savings.
Want to learn more? Take a look at our FAQs.
Cash ISA
5 Access ISA - 1 Year
This account lasts for 12 months. Earn a variable rate of interest with 5 charge free withdrawals. Please see Summary Box to find out what happens after the 12 months
Rate
4.00%
Tax-free p.a./AER
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
Yes - Restricted
Take money out of your account up to 5 times with no charge. For the 6th and subsequent withdrawals (which include closure), there will be a charge equal to 50 days' interest on the amount withdrawn.
Interest paid
Deposits
£1 - £20,000
For the 2026/2027 tax year
Current and previous years' transfers are allowed
Limited Access
5 Access Saver (4)
Earn a variable rate of interest with 5 charge-free withdrawals per year.
Rate
3.50%
AER/Gross p.a.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
The gross rate is the interest rate payable before the deduction of tax.
A fixed rate won’t change for the fixed term. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Access
Yes - Restricted
Take money out of your account up to 5 times a year with no charge. For the 6th and subsequent withdrawals (which include closure), there will be a charge equal to 50 days' interest on the amount withdrawn.
Interest paid
What is a limited access account?
How many withdrawals can I make?
You can take out your money charge-free, whenever you want, within your access limit. This can differ from account to account.
If you'd like to take out more money than your charge-free access limit allows, you'll be charged based on the amount you're withdrawing.
Are limited access accounts safe?
Like our other savings accounts, our limited access savings accounts are protected by the Financial Services Compensation Scheme (FSCS). The FSCS will protect up to £120,000 of any eligible deposits you have with us.
If the amount you have saved goes over this limit, the extra amount is unlikely to be protected.
Why save with us?
Savers are in safe hands with us - and so is your money.
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Can't find your account?
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on 0800 121 8899
- Mon-Fri 8am-7pm
- Saturday 9am-2pm
- Sunday & Bank holidays Closed
Yesterday, people waited on average
17 seconds for savings enquiries
17 seconds for mortgage enquiries
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on
0800 121 8899
Saturday
Sunday
9am - 2pm
Closed
Closed
On Saturday, people waited on average
127 seconds for savings enquiries
50 seconds for mortgage enquiries
