Instant ISA

• £1+ 2.60% AER*.
• Please note that this rate will increase to 2.80% AER* on 1st December 2026.
• We calculate the interest daily and pay it annually on 31^st December. Interest will be added to your account.
• *AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once each year. The gross rate is the interest rate payable before tax.

• The interest rate is variable, so it can go up or down at any time.
• For more details about why we might change the rate, please read our Savings Terms & Conditions.

       £1,026.00

• This would be the balance after 12 months if £1,000 was paid in, all interest was paid back into the account, there was no change to the interest rate and no money was taken out or paid in.
• ISA means Individual Savings Account. When you pay money into your ISA, you subscribe to your ISA. Your payments are called subscriptions. As it is tax free, you get to keep all your interest.
• This is just an example to help you compare accounts. It does not take into account what you may do with the money in your account.

• You must be a UK resident for tax purposes to open this account or be a Crown Employee serving overseas. You can also open this account if you are in a marriage or civil partnership with a Crown Employee. You can open it with as little as £1.
• This account can only be opened by you. You cannot have a joint account.
• This is a Cash ISA. You can only subscribe up to the maximum ISA allowance each tax year. The overall ISA allowance for the current tax year is £20,000.
• You can only have one Instant ISA with Bath Building Society.
• Your subscriptions can be split between multiple Cash ISAs and Stocks and Shares ISAs up to the overall ISA allowance. We do not offer Stocks and Shares ISAs.
• However, you can only subscribe to one cash ISA with Bath Building Society each tax year, so you wouldn’t be able to pay into both a Fixed Rate ISA and Instant ISA for example.
• Bath Building Society will allow transfers of an existing ISA into this account.
• To arrange a transfer, please complete a Cash ISA Transfer Form, which is available to download here or can be requested from our customer service team.
• The form must include a handwritten signature and can then be submitted with your application, sent to us by post, or brought into a branch.
• Full or partial transfers in of subscriptions from previous tax years can be made, however any subscriptions that have been made in the current tax year must be transferred to Bath Building Society in full.
• You can open an account on this product page, using our Mobile App, or by visiting one of our Branches in Bath.
• You can manage the accounts you hold with us through Bath Online, or by using our Mobile App. You can register for Bath Online on our website, and you can register for the Mobile App on your smartphone.
• Account holder identification will be required. This is usually obtained through our electronic identity verification service. However, if this proves inconclusive, here’s some popular ways to verify your ID.

• This is an instant access account. You can take out money whenever you wish in a Branch, up to a maximum of £500 without telling us first. If you tell us first, you can withdraw up to £2,000 the next day.
• You can withdraw by cheque from one of our Branches in Bath. There is no limit to how much you can withdraw.
• You can also ask us to make an electronic payment to your nominated account. This can be done on Bath Online, through the Mobile App, in a Branch, or you can contact our customer service team.
• You can only have one nominated account. You should choose the best account for your money to be paid in to.
• Please be aware that the minimum withdrawal amount is £50.
• This is not a flexible ISA. If you take money out of your account, it does not change the subscription limit. For example, if you put £2,000 in this account and take out £1,000, you can only put in another £18,000.
• Transfers of current year and/or existing subscriptions are permitted to another ISA provider. After you speak to your new ISA provider, they will let us know so we can make the transfer.
• Full or partial transfers of subscriptions from previous tax years can be made, however any subscriptions made in the current tax year must be transferred in full to the receiving ISA provider.
• We do not give passbooks for accounts opened through Bath Online or the Mobile App. You can let us know if you would like a passbook by contacting our customer service team.

• This account allows for Additional Permitted Subscriptions (APS). This means that if a customer with an ISA dies, their spouse or civil partner can apply to use their allowance. You can find out more by talking to our customer service team.
• This account is protected by the Financial Services Compensation Scheme (FSCS). You should read your FSCS Information and Exclusions sheet for more information about how your money is protected.
• This account is a savings account, which means it is meant to be used to help you save money for when you need it. It is not intended for making day-to-day transactions.
• You should read your Savings Terms & Conditions and ISA Declaration and Terms & Conditions document to fully understand how your account works.
• We can close an account at any time if you do not use the account as intended, or if you act inappropriately, such as abusive behaviour.