Our Online Single Access Flexible Cash ISA is a great way to take advantage of your 2025/26 ISA allowance of £20,000. You can make one withdrawal from 01 July to 30 June each year when a bonus rate is payable. If more than one withdrawal is made, the bonus rate does not apply. You can replace any money you withdraw without affecting your ISA allowance, as long as it is done in the same tax year.
Rates effective from 02 July 2025.
Key features:
Account name
Online Single Access Flexible Cash ISA (Issue 1)
What is the interest rate?
Interest rate with bonus:
| Annual | ||
|---|---|---|
| Balance | Gross* | AER† |
| £1,000+ | 4.50% | 4.50% |
Interest rate without bonus:
| Annual | ||
|---|---|---|
| Balance | Gross* | AER† |
| £1,000+ | 2.55% | 2.55% |
Rates effective from 02 July 2025.
Interest is variable, calculated on a daily basis and paid annually on 30 June.
Can Marsden Building Society change the interest rate?
The interest rate is variable so we can increase or decrease the rate at any time.
If the interest rate on your account falls, and the balance in your account is £100 or more, we will personally notify you of the change.
All our interest rates are available in our branches and on our website.
For more details about why we may change the rate, and when we’ll let you know about a change, please refer to our Retail Savings Terms & Conditions.
What would the estimated balance be after 12 months based on a £1,000 deposit?
If you saved £1,000, the estimated balance after 12 months would be £1,045.
This example assumes an investment of £1,000 is made on 01 July, no withdrawals or further deposits are made throughout the 12 months, the interest earned is added to the account annually, and no changes are made to the current interest rate. It is provided for illustrative purposes only and does not take into account your individual circumstances
How do I open and manage my account?
This account is available to UK residents and can be opened and operated online only. You may be able to open an account if you are not a UK resident. Please see the 'Eligibility' section on the product terms and conditions available on the 'Conditions' tab.
Only one Online Single Access Flexible Cash ISA can be opened in a 12 month period per person.
The minimum balance to open the account is £1,000. The overall maximum holding by any one person in respect of all savings accounts with the Society is £250,000. This includes money held in a joint account.
Payments into the account can be made by debit card (up to £1,000) or by electronic payment (including standing order but not direct debit). The first payment into the account must be within 5 working days of account opening, otherwise the account will be closed. If opened by debit card, the remainder of the minimum opening balance must be paid by Faster Payment within 5 working days of account opening.
Additional deposits can be made at any time up to the annual ISA subscription limit, currently £20,000 for the 2025/26 tax year.
You may transfer used ISA allowances from other providers, including both previous and current years’ subscriptions. Please note, we do not accept transfers from Stocks and Shares ISAs, Innovative Finance ISAs or Lifetime ISAs. We only accept Cash ISA to Cash ISA transfers.
Once your ISA provider has transferred your ISA to us, we will add the money to your account and backdate the interest to whichever is the soonest; either:
Can I withdraw money?
You can withdraw from your account using our eSavings platform. You can make one withdrawal from 01 July to 30 June each year when a bonus rate is payable. If more than one withdrawal is made, the bonus rate does not apply.
This account is flexible, so you can withdraw money and put it back without affecting your ISA allowance, as long as it is done in the same tax year and the account remains open.
If you want to transfer your ISA to another provider, please speak to us as we will need to arrange an ISA Transfer to protect the tax-free status of your savings.
You can close the account at any time if you need to, however, please be aware that closing the account means ISA status will be lost.
Additional information
*Tax-free means that interest is not subject to income tax.
†AER stands for the Annual Equivalent Rate and shows you what the interest rate would be if interest was paid and added each year.
Interest will be paid tax-free. The favourable tax treatment of ISAs may change in the future.
Download our full savings terms and conditions: Retail Savings Terms & Conditions (PDF)
Download our product terms and conditions: Online Single Access Flexible Cash ISA (PDF).
To apply online, visit our ‘eSavings’ platform and follow the steps on screen.
Download our list of Identification Requirements: Identification Requirements (PDF)
Download our Cash ISA Transfer Authority Form: Cash ISA Transfer Authority Form (PDF)
Please note, products can be withdrawn at any time and without notice.
We want to provide the best service possible, so if you have any questions, get in touch. You can contact us by phone, visit us in branch or email us – we’ll be happy to help.
01282 440500 * 
