You must be a UK resident aged 18+. You can only subscribe to one cash ISA with Royal Bank in current tax year (2025/26) up to £20,000. Tax free interest means interest payable is exempt from UK income tax. Tax reliefs referred to are those applied under current UK legislation, which may change.
Over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. There is a chance you may get back less than you put in. Ensure you have safety net savings before starting to invest. Eligibility criteria, fees and charges apply.
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Tax year end
There's still time.
Make the most of your ISA allowance before the tax year ends.
Fixed Rate ISA
- Minimum deposit £1,000.
Fix your savings interest rate so you know the amount of interest you'll get paid.
One year Fixed Rate ISA rates:
- 4.05% AER/tax free p.a. (fixed) on balances of £1,000 - £24,999
- 4.20% AER/tax free p.a. (fixed) on balances £25,000+
Two year Fixed Rate ISA rates:
- 4.05% AER/tax free p.a. (fixed) on balances of £1,000 - £24,999
- 4.30% AER/tax free p.a. (fixed) on balances £25,000+
You can get our higher interest rate on balances of £25,000+ by moving ISA savings from a previous tax year using an ISA transfer.
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For Fixed Rate ISA no withdrawals or deposits during the term. Available to new customers until 5pm on 15 April 2026. Available to existing customers until 20 April 2026. Please note that these issues may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. Early closure fees may apply.
Stocks and Shares ISA
- Start investing from £50.
Invest at a risk-level which suits your needs.
- The choice of five ready-made funds to invest in.
- Low fees.
- Could help protect your money from the effects of inflation.
Our Stocks and Shares ISA endorsed as Which? Great Value.
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The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply. Tax reliefs referred to are those applied under current legislation, which may change. The availability and the value of any tax relief will depend on your individual circumstances.
Instant Access ISA
- Open an Instant Access ISA with £1.
Tax-free interest and instant access to your money.
- Instant access to your savings.
- Tax-free interest on balances up to £20,000 in the current tax year.
- Interest is calculated daily and paid annually directly into your Instant Acces ISA.
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You can only subscribe to one cash ISA (instant access or fixed rate) with Royal Bank in any tax year. You can deposit into both a cash ISA and Stocks and Shares ISA within the same tax year, as long as you don't exceed your £20,000 ISA allowance across all your ISA accounts (with us or elsewhere).
Do you want to save for your children’s future?
Our Junior ISA might be right for you
Give your child a head start. Invest up to £9,000 per child tax-free for the current tax year (2025/26).
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You could win £20,000 when you invest with Royal Bank
For every £50 you invest in a Royal Bank Stocks and Shares ISA, you’ll get one entry into the prize draw. The more you invest, the more chances you have to win!
For a chance to win first prize of £20,000, 10 prizes of £1,000 or 200 of £100. Enter between 12th January and 30th April 2026.
T&Cs, fees and charges apply.
Want to transfer an ISA to us?
We can do that!
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 low fees.
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.
Once you apply for an ISA, simply tell us where you want to transfer your ISA from, and we’ll take care of the rest.
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