Instant Access Cash ISA
0.90% AER / tax-free
- Rate type
- Standard variable rate, interest paid annually
- Access
- Instant access
- Minimum
- £1 minimum balance
- Withdrawals
- Metro Bank's wording: take money out and put it back in
Cash ISA
Metro Bank Cash ISA
Metro Bank's instant-access Cash ISA is the one account in this comparison you can take money out of and put back in, but it pays 0.90% — by some distance the lowest rate here. A separate fixed-rate ISA pays considerably more.
Last updated: 9 September 2026
At a glance
2 ISAs covered
- Money can be taken out and replaced
- Lowest instant-access ISA rate here
- Transfer interest is backdated
The accounts
Metro Bank Cash ISAs
Rates and terms as published by Metro Bank and read on 9 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.
Fixed Rate Cash ISA
Up to 3.65% AER
- Rate type
- Fixed for the term
- Access
- Fixed term
- Minimum
- Not published on the instant-access page
- Withdrawals
- Check the account terms before applying
The rules
Eligibility, transfers and protection
- Who can apply
- UK residents; Metro Bank has a branch network with long opening hours
- Access
- Online, app and branches
- Transfers in
- Accepted from another bank or building society, including previous years' ISAs. Interest is backdated to the date the transfer form was signed
- Flexible ISA
- Metro Bank describes taking money out and putting it back in — confirm the detail before relying on it
- Deposit protection
- FSCS protected up to £120,000
- Allowance
- Pay in up to £20,000 a tax year
Before you commit an allowance
What to check first
- At 0.90% the instant-access ISA pays less than a quarter of the best fixed rate in this comparison. Flexibility is the reason to use it, not the return.
- Interest is paid annually rather than monthly.
- Backdating transfer interest to the date the form was signed is genuinely useful — it means you are not out of pocket for the weeks a transfer takes.
- The fixed-rate ISA is a separate product with its own term and conditions, not an alternative rate on the same account.
- Metro Bank scores lower on trust than most providers in this comparison. Weigh that alongside the rate.
A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.
Comparing Metro Bank's Cash ISA?
See how it sits against the other UK banks offering a Cash ISA, or read the full review of the bank behind it.