Compare Cash ISA accounts

Save money in a tax efficient way.

Choose an ISA that works best for you

Cash ISAs are a simple, tax-efficient way to save. It could make your money work harder than a traditional savings account. 

Cash ISAs & Fixed Rate ISAs explained

With an ISA, or Individual Savings Account, each tax year you’ll get an ISA allowance. You can save up to this amount each year without paying income tax on the interest you earn.

Royal Bank offer two types of cash ISA, an instant access Cash ISA and a Fixed Rate cash ISA where you can put your money away for 1 or 2 years.

Need to know when applying for a cash ISA

  • As of 2023/24, the ISA allowance is £20,000 across different ISA products.
  • You can only open one cash ISA per year.
  • 16 or over?  You can apply for an adult ISA.  Under 16?  You can apply for a Junior ISA.

Manage your existing Royal Bank of Scotland ISA

Understand what to do to apply for ISA inheritance allowance or simply how to get started with your cash ISA. 

Our Stocks and Shares ISA

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Investment values can fall and rise, your capital is at risk.

A simple way to get your money working harder

Invest from a choice of five ready-made investment funds, each with a different level of investment risk from 'low' to 'high'.

Have access to your money any time. Withdraw or add more funds, and view your Invest balance in the Royal Bank app. 

Eligibility criteria, fees and charges apply.

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Financial Services Compensation Scheme

Your eligible deposits with Royal Bank of Scotland are protected by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Find out more about the scheme and how it protects your money.

Something else we can help you with?