Easy Access Cash ISA Boosted Rate
Our ISA has complete flexibility and lets you replace any withdrawals without affecting your £20,000 tax-free allowance.
New client eligibility: This Easy Access Cash ISA account with the additional fixed bonus rate is only available to new clients. This means you’re not eligible if you have previously held any other Monument product and this must be the first account you open with us.
Simple savings, multiple benefits
New clients can earn 4.28% AER (variable), paid monthly
An additional fixed bonus rate of 0.54% AER will apply for 12 months.
This gives a total rate of 4.20% gross / 4.28% AER (variable) for 12 months.
After 12 months, only the Easy Access Cash ISA rate (currently 3.68% gross / 3.74% AER variable) will apply. Interest is calculated daily and paid monthly.
Enjoy flexible withdrawals and deposits
Access to your money 24/7
Full transparency, no hidden fees
How our Easy Access Cash ISA works
You can open a Monument ISA with £10,000 as a new client, or from £1 if you're already banking with us.
Add money
Deposit your savings into your Easy Access Cash ISA and earn monthly interest without paying tax on it.
Withdraw money anytime
You can withdraw from your ISA anytime without penalty.
Replace money you withdrew in the same tax year
Top up money without affecting your total £20,000 tax-free allowance.
Keep your tax-free allowance
Once you've put the money back, your savings continue to grow, and you keep your tax-free allowance.
Your money is safe with us.
Eligible savings are protected up to £120,000 by the Financial Service Compensation Scheme (FSCS).
Exceptional service
isn’t our aim.
It’s our guarantee
Enjoy an effortless experience
Open an account in minutes then deposit funds straight away.
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Speak to our UK-based team instantly in the app or pick up the phone.
Be rewarded for your loyalty
If you’re a Fixed Term Account saver who chooses to stay with us, we’ll thank you with a special rate.
Start saving now
Download the app
Get the app from the Apple App Store or Google Play.
Choose the right Savings Account for you
Provide us with your personal details so we can securely open your account.
Add money
Set up your Linked Account and make a deposit to start earning interest immediately.
What our clients say
Who is Monument?
Monument is a fully regulated, UK bank built to help you manage, grow and enjoy your wealth.
More than 100,000 clients save with Monument and benefit from our range of Lifestyle services and UK-based client servicing team.
Your money is protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).
What is a Cash ISA?
A Cash ISA is a savings account where you can earn tax-free interest. If you are 18 years old or over and a UK resident, you can apply and start to save up to the £20,000 ISA allowance (set by HMRC) each tax year without paying tax on the interest earned.
Your annual ISA allowance is the total you can pay each tax year into any ISAs you hold, including those with other ISA providers.
Is the Monument Easy Access Cash ISA flexible?
Yes, your Easy Access Cash ISA is flexible which means you can withdraw and replace any amount in the same tax year without affecting your annual ISA allowance.
Am I eligible for this account?
This Easy Access Cash ISA with the additional fixed bonus rate is only available to new clients. This means you’re not eligible if you have previously held any other Monument product and this must be the first account you open with us.
Can the rate change?
The Easy Access Cash ISA interest rate is variable and may change. If we change the rate, we’ll let you know by emailing you.
An additional fixed bonus rate of 0.54% AER will apply for 12 months from when you open the account and will not change.
How do I add money to my Easy Access Cash ISA account?
After opening your Easy Access Cash ISA account, you will be given a sort code and an account number which you can use to make electronic payments into your Monument account from your Linked Account.
Your Linked Account is a personal UK* bank account in your name which you’ll provide when you open your account. In certain circumstances, we may be able to accept an account held with a UK* electronic money institution (known as an e-money account). Any funds received from another bank account will be returned.
You can also move money into your Easy Access Cash ISA account from an eligible existing Monument savings account if you have one, subject to the terms of that account.
You can also transfer an existing cash ISA from another provider into your Monument Easy Access Cash ISA. We only accept full balance transfers. We don't accept partial transfers in.
We don’t accept transfers from Stocks & Shares ISAs, Junior ISAs, Innovative Finance ISAs or Lifetime ISAs.
*UK means England, Wales, Scotland and Northern Ireland and does not include the Channel Islands and Isle of Man.
Interest rate without additional fixed rate: 3.74% AER (variable).
Interest rate with additional fixed bonus rate (0.54% AER): 4.28% AER (variable).
Rates effective from 7 April 2026.
Understanding your rate:
The Easy Access Cash ISA rate is 3.68% gross / 3.74% AER (variable).
An additional fixed bonus rate of 0.54% AER will apply for 12 months.
This gives a total rate of 4.20% gross / 4.28% AER (variable) for 12 months.
After 12 months, only the Easy Access Cash ISA rate (currently 3.68% gross / 3.74% AER variable) will apply.
Interest is calculated daily and paid monthly. Interest can be paid to your Linked Account or into your Monument Easy Access Savings.
AER stands for Annual Equivalent Rate. This shows you what the interest rate would be if interest was paid and compounded once each year. Gross is the rate of interest payable before income tax is deducted.
Gross is the rate of interest payable before income tax is deducted.
The Easy Access Cash ISA interest rate is variable and may change.
An additional fixed bonus rate of 0.54% AER will apply for 12 months and will not change.
We can change the Easy Access Cash ISA interest rate (currently 3.68% gross / 3.74% AER variable) at our discretion for any of the reasons detailed in Section 5 of our Easy Access Cash ISA Terms.
We will contact you if the Easy Access Cash ISA interest rate is going up or going down. We will give you at least 14 days' notice in advance of any rate reduction. If we increase the rate, we will apply it immediately and we will inform you of the increase within 30 days of it being made.
Balance after 12 months:
£1,042.80 at an interest rate of 4.28% AER (variable) based on the Easy Access Cash ISA rate and the additional fixed bonus rate.
£10,428.00 at an interest rate of 4.28% AER (variable) based on the EasyAccess Cash ISA rate and the additional fixed bonus rate.
Balance after 24 months (including the application of the additional fixed bonus rate during the first 12 months):
£1,081.80 at Easy Access Cash ISA interest rate of 3.74% AER (variable)
£10,818.01 at Easy Access Cash ISA interest rate of 3.74% AER (variable)
For the purposes of this calculation we assume that:
· You make a deposit of £1,000 or £10,000 on the account opening date
· The additional fixed bonus rate is applied for the first 12 months only
· The Easy Access Cash ISA rate remains the same for 24 months
· You make no additional deposits or withdrawals
· The interest is paid into your Easy Access Cash ISA
The above is for illustrative purposes only and does not take into account any individual circumstances.
You can open and manage your account through the Monument mobile app.
Eligibility:
· You must be aged 18 or over
· You must be a UK resident
· This account can only be opened in one person’s name
· You must have a personal UK bank account that allows transfers to be made to and from your Monument Easy Access Cash ISA
Minimum and Maximum Balance:
· If you only have an Easy Access Cash ISA with Monument, the minimum balance is £10,000.
· If you hold any additional Monument savings account(s), you must have a minimum total balance of £25,000 across all Monument savings accounts you hold. The balance in your Easy Access Cash ISA will count towards the total balance.
· You can deposit up to a maximum of £20,000 per tax year in this account, reflecting the annual ISA allowance set by HM Revenue & Customs.
· £2,000,000 maximum total balance across all Monument savings accounts you hold including this one.
Making Deposits:
· Deposits can only be made by electronic payment from the personal UK bank account linked to your Easy Access Cash ISA (your Linked Account) or from another Monument Savings Account in your name (subject to the terms of that account).
· Any funds received from another external account that is not your Linked Account will be returned.
· You need to make your first payment into your Easy Access Cash ISA within 30 days from the date your account is opened. If you don’t, your Easy Access Cash ISA will be closed.
We do not accept deposits in cash or cheque.
Yes, you have 24/7 access to your savings via the Monument mobile app.
An unlimited number of withdrawals can be made through the mobile app. For your security, higher value withdrawals may require additional verification checks.
You can withdraw up to £150,000 per day per account via the Monument app. If you’d like to withdraw more than this, you can do so by contacting our Client Services team.
Monument Easy Access Cash ISA is flexible, which means you can withdraw and replace any amount in the same tax year without affecting your annual ISA allowance.
Funds withdrawn can be paid to your Linked Account or another Monument savings account in your name (subject to the terms of that account).
If you want to move some or all of your ISA money to another ISA provider and keep the tax-free benefits on the money transferred, you’ll need to speak to your new provider to start this process.
ISAs are a savings scheme operated by HM Revenue & Customs. Interest on ISAs is tax-free, providing the account is operated in line with ISA Regulations.
If you change your mind you can close this ISA within 14 days of opening. Any funds from an ISA closed in this way won’t count towards your ISA allowance.
Please note: The information provided here is a summary of the key features of our Easy Access Cash ISA account. Further information can be found in our Easy Access Cash ISA Terms.
Not the right account for you?
If you’re looking for an account with a notice period or fixed term, learn more about our Fixed Term Deposits or Notice Accounts.
