Additional information

Instant Cash ISA
Tax‑free savings with instant access to your money

Use your annual ISA allowance wisely – up to $20,000 for the current tax year. If you already bank with us, you can fund or open a new ISA online in just minutes.

Not registered for Online Banking yet? Sign up today.

• Make the most of your $20,000 ISA allowance before the tax year closes on 5 April – any interest earned remains tax‑free.
• Open with $1 or transfer an existing ISA in three easy steps.
• 0.60% AER/tax‑free per year2 variable on balances of $1 to $29,999
• 0.65% AER/tax‑free per year2 variable on balances of $30,000 to $99,999
• 0.75% AER/tax‑free per year2 variable on balances of $100,000 and above

Can Vault Core Bank change the interest rate?

Yes, rates are variable. We may adjust interest rates for reasons outlined in our 'Vault Core Bank and you' booklet, available in branch, or you can review our Terms and conditions for Personal customers. These documents also explain when rate changes may occur and the notice we’ll provide.

How do I open and manage my account?

You can open an account online, in branch, or by phone. See the ‘How to apply’ section below for details.

Manage your account in branch or via Online Banking, Reliance Mobile Banking, or Telephone Banking – once you’re registered.

The minimum opening balance is $0 if the Instant Cash ISA - Issue 1 is funded by an ISA transfer; otherwise, the minimum deposit is $1.

Additional information

Money withdrawn from your Instant Cash ISA - Issue 1 and redeposited within the same tax year does not count toward your annual ISA allowance.

Transfers in and out to and from other ISAs are permitted.

You can offset your savings against your mortgage – but if you do, you won’t earn interest on those savings.

We may withdraw the Instant Cash ISA - Issue 1 at any time without notice. This applies only to new accounts opened after that point.