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Cash ISAs

Individual Savings Accounts (ISAs) are a tax efficient way to make the most of your money.


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Instant Access Cash ISA (Issue 3)

Our Instant Access Cash ISA gives you access to your money whenever you need it whilst allowing you to generate a tax free return.
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About Individual Savings Accounts (ISAs)

ISAs are a tax efficient way to make the most of your money. You can use ISAs to save cash or invest in stocks and shares, however, Al Rayan Bank only offers a cash ISA.

  • There is a limit to the amount that you can pay into a cash ISA in any one tax year, and you can only open one new cash ISA in any one tax year
  • The current ISA allowance is £20,000^ in the current tax year
  • You can invest the full amount in either a cash ISA or a stocks and shares ISA, or a combination of both
  • You cannot pay into more than one Cash ISA each tax year, and you cannot pay into more than one Stocks and Shares ISA each tax year
  • You can pay into one Cash ISA and one Stocks and Shares ISA each tax year

^This is our understanding of the current tax laws which may be subject to change.

Your eligible deposits held by a UK establishment of Al Rayan Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.  

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Frequently asked questions

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Award winning savings accounts

We have been awarded the Best Cash ISA Provider at the Moneyfacts® Awards 2021.