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The Cash ISA provides the opportunity to earn tax-free interest.


Please note that the Society is not accepting ISA transfers in.

ISA Reactivation

If you did not deposit any monies in your Cash ISA with the Society during the last tax year, you can now deposit savings up to the maximum subscription of £20,000 from the 6th April 2022 to the 5th April 2023. You will be required to complete an ISA Reactivation Application Form.

Summary Box

The Information provided is a summary of the key features of the savings account and is not intended to be a substitute for reading the terms and conditions that apply to the account.

What is the Interest Rate?1.00% Gross/1.00% AER

AER stands for Annual Equivalent Rate.  It illustrates what the interest rate would be if interest was paid and compounded each year.

Interest is calculated daily and is variable.  Interest is compounded annually on the 5th April.

See our current interest rates for all savings accounts.


Can esbs change the Interest Rate?We may change interest rates at any time if we reasonably believe the change is needed.  Please refer to Condition 7 – Interest in the Terms and Conditions for esbs Retail Savings Accounts for further details.
What would the estimated balance be after 12 months based on a £1,000 deposit?



The projected balance based on the current interest rate is £1,010.00.

This projection is provided for illustrative purposes only and does not take into account the individual circumstances of the customer.

How do I open and manage my account?
  • The account may only be opened by UK residents (subject to an exception for certain Crown employees, their spouse or registered civil partner).
  • Minimum age 16, sole investors only.
  • Minimum balance £10.
  • Maximum subscription limit is £20,000 from the 6th April 2022 to the 5th April 2023.
  • To apply for an Instant Access Cash ISA please read the Instant Access Cash ISA leaflet to ensure this account is suitable for you.  Please be certain to read the Terms and Conditions for esbs Retail Savings Accounts.
  • If you wish to open an account you can download and print an application form, apply in person in one of our branches or call our Savings Team on 01455 844422.  Please remember to provide the correct Identification and funds.
  • You can manage your account at our branches or by post.
Can I withdraw money?
  • Yes – Instant Access.
Additional Information
  • Having subscribed to a Cash ISA you cannot subscribe to another Cash ISA in the same tax year.
  • This is flexible Cash ISA. Money withdrawn may be replaced in the same tax year without it counting towards the annual subscription limit.
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