1. Log in to your Mobile App
2. Select your ISA from your list of accounts.
3. You'll able to see your remaining ISA allowances along with your balance at the top of the screen once you've selected your ISA.
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Make your ISA allowance count.
Top up your ISA today and watch your savings grow
How much can I pay into my ISA?
You can save up to £20,000 this tax year (6th April 2026 - 5th April 2027) without having to pay Income Tax on your interest.
ISA allowances don't roll over from one tax year to the next. Any unused allowance will be lost when the tax year ends.
You can find out more about ISA allowances and how they work in our ISA Guide.
How do I top up my Instant Access ISA?
The easiest way to top up is by moving money from another Royal Bank account using our Mobile App or Digital Banking.
You can also top up through Telephone Banking or by visiting any Branch to pay money into your Instant Access ISA.
Moving money from another provider?
- If you’re moving money from a non-ISA account elsewhere, you’ll need your Royal Bank ISA account number and sort code.
- If you’re moving money from an existing ISA elsewhere, you’ll need to complete an ISA transfer request to keep your savings tax-free.
How do I transfer my ISA to Royal Bank?
An ISA transfer is when you move your savings from one ISA to another. You might do this to bring your ISAs together, get a better interest rate, or to take advantage of a different type of ISA altogether.
You can transfer an existing ISA from elsewhere into your Royal Bank Instant Access ISA at any time. It's really important to go through the ISA transfer process. That way, you won't lose out on any of the tax benefits and your tax-free allowance is protected.
How do I check my ISA limit?
You’re responsible for not going over the current yearly subscription limit of £20,000 across all ISAs. You can only pay in to one cash ISA with Royal Bank each tax year. You can check how much you have paid in to your ISA using the mobile app or Digital Banking.
1. Log in to your Digital Banking.
2. Select your ISA from your list of accounts.
3. You’ll need to select ‘account details.
4. You’ll then be able to see your ISA allowance details.
Financial Services Compensation Scheme
Your eligible deposits held by a UK establishment of Royal Bank of Scotland are protected up to a total of £120,000, by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.
Read the FSCS Leaflet (PDF, 3.7 MB) to find out more about the scheme and how it protects your money.
Investments through Royal Bank of Scotland Invest may also be covered by the Financial Services Compensation Scheme in some scenarios. You can find out more here.