Interest paid Opening balance AER Gross rate
Annual £1,000 0.70% 0.70%
£1 - £999 0.10% 0.10%
Monthly £1,000 0.70% 0.70%
£1 - £999 0.10% 0.10%
Interest paid Annual Monthly
Opening balance £1 - £999 £1 - £999
AER 0.10% 0.10%
Gross rate 0.10% 0.10%
Interest paid Annual Monthly
Opening balance £1,000 £1,000
AER 0.70% 0.70%
Gross rate 0.70% 0.70%

Key Facts

Variable interest rate Variable interest rate, tax-free savings
Withdrawals allowed Withdrawals allowed
Open online, by post or in branch Open online, by post or in branch
Top up anytime within ISA limits Top up anytime within ISA limits
Monthly interest available Where interest is payable, monthly and annual interest payments available
Your money is protected Your money is protected up to £85,000

Product summary

The summary box contains the specific terms and conditions for this account and where applicable, supersede our Savings General and Online Terms and Conditions.

Account name

Cash ISA - Easy access - issue 31

What is the interest rate?

Rates effective 06 April 2022:


Annual Interest gross p.a.*

Monthly Interest gross p.a.*


£1 - £999 0.10% 0.10% 0.10%
£1,000+ 0.70% 0.70% 0.70%

*Gross p.a. is the rate of interest paid without the deduction of tax per annum. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

Where interest is payable, it is calculated daily and can be credited to the account or transferred to your nominated account.

Where payable, annual interest is paid on 5 April each year and monthly interest is paid on the last working day of each month.

Can Kent Reliance change the interest rate?

The interest rate on this account is variable and can change at any time. Up to date information on our interest rates can be found on our interest rates page, in branch or by calling our head office.

For full details of interest rate changes, please refer to Condition 28 of our Savings General Terms and Conditions.

What would the estimated balance be after 12 months based on a £1,000 deposit?

Deposit Amount

Annual interest projected balance

Monthly interest projected balance

£1,000 Deposit £1,007.00 £1,007.00
£500 Deposit £500.50 £500.50

These projections are based on interest being credited to the account, no interest rate changes, no withdrawals and no additional deposits.

The above projections are provided for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?

This account can be opened and operated by post, online** or in branch.

Minimum opening deposit

Maximum deposit

Minimum operating balance

(£1,000 for monthly interest)
£1,000,000 £1

Additional deposits can be made subject to HM Revenue & Customs (HMRC) limits. The maximum you can subscribe to a cash ISA in the current 2022/23 tax year is £20,000.

Additional deposits can be made by cash (only available at our branches), cheque or bank transfer. We do not accept deposits by debit card into your account.

Transfer of additional ISA funds from other providers are permitted however this request must be received within 30 days of your account being opened. The time required to complete your transfer to Kent Reliance will be determined by your current provider.

**Subject to eligibility. Please refer to our Online services terms and conditions.

Can I withdraw money?

Transfers and withdrawals are permitted without notice or penalty. Any funds withdrawn from the account cannot be subsequently replaced in the same tax year.

For postal accounts, send us a signed withdrawal request to Head Office. Alternatively, if you have registered to operate your account online, simply log in and request your withdrawal to your nominated account.

If you hold a branch account, take your passbook and a form of ID to your local branch and a member of our team will action your request.

There are different payment cut-off times depending on the method of withdrawal you require. For further details please visit our withdrawals page or call our Head Office.

Your nominated account must be a UK Bank/Building Society current account held in your name.

Additional information

You may split your current tax year ISA allowance between multiple Kent Reliance ISA products.

If you choose to open multiple Kent Reliance products in the same tax year, these will be treated as a single ISA under HMRC regulations. HMRC prohibits opening multiple Cash ISAs with multiple ISA providers in the same tax year. Therefore, if you want to transfer funds from one ISA provider to another, you must transfer your full ISA subscription for the current tax year.

Before you apply

Before you apply for an account, please make sure you have read the product specific T&C'sgeneral T&C's and the FSCS information in full. Please also save or print copies of these documents for future reference.

How to apply


Complete and submit your application online. Please ensure you have read the terms and conditions before you apply.

Apply now

By post

Complete the application form and send it to:
OneSavings Bank
SR43 4AB

Download form

In branch

Just pop into your nearest branch with two official forms of ID… and leave the rest to us!

Branch finder

Other ways to help you save

Our range of savings accounts provides options to suit a variety of savers from online savings accounts to branch-only; short-term to long-term; notice accounts to regular saver accounts.

View all savings products