Cash ISA
Easy-access
Kent Reliance Easy Access Cash ISA
interest rate
£20,000
maximum per year
by WInvest
Who is Kent Reliance?
Kent Reliance is a UK savings and mortgages provider (trading as part of OneSavings Bank) that offers a range of ISA and savings accounts designed to help savers grow their money tax-free. It provides online and branch-based savings products with competitive interest rates, and deposits are protected by the UK Financial Services Compensation Scheme (FSCS) up to eligible limits.
Pros and cons
- Pros
- Competitive variable interest rate on balances above £1,000—for example up to around 4.00% AER on current product issue (with lower rates on smaller balances) which helps maximise tax-free growth
- Easy access—you can withdraw funds whenever you want without notice or penalty, and top up your ISA at any time within your annual allowance
- Can be opened online or in branch, giving a bit more flexibility for savers who prefer in-person service
- Cons
- Interest rate is variable and can change at any time in response to market conditions
- This product is not a flexible ISA—any funds withdrawn cannot be replaced later in the same tax year without using more of your ISA allowance
- Some providers in the market offer more advanced online tools or mobile-first experiences, whereas Kent Reliance’s platform is more traditional and may feel less modern to some users
What is a Cash ISA?
A Cash ISA is a savings account where all interest you earn is completely tax-free. Every UK resident aged 18 or over gets an annual ISA allowance at the start of each tax year. For the 2025/26 tax year (ending 5 April 2026), the allowance is £20,000, and from April 2027 it will reduce to £12,000. Cash ISAs come in different types, including easy-access accounts and fixed-term accounts.
What is an easy-access Cash ISA?
An easy-access Cash ISA allows you to withdraw your money whenever you need it, without paying any penalties. The interest rate is variable, so it can rise or fall over time. Some easy-access ISAs are also flexible, meaning withdrawn money can be replaced without affecting your allowance.
Who is Kent Reliance Easy Access Cash ISA good for?
The Kent Reliance Easy Access Cash ISA is a strong choice for UK savers who want tax-free interest with the freedom to withdraw money whenever needed and value the option to manage their account either online or in branch. It’s particularly appealing for those saving for short-term goals or building an emergency fund and who like the idea of a recognisable UK savings specialist with competitive rates. However, it may be less suitable for people who want flexible ISA features (where withdrawn amounts can be replaced without reducing the ISA allowance) or a fully app-centric experience.
WInvest Rating
3.6 ★★★★
5.0 ★★★★★
Great rate for Cash ISA, good customer service on the phone, and good on-line access
4.0 ★★★★
Good market beating ISA rates. Easy to open and manage accounts. Shame there is no branch in the Midlands as a satellite branch to extend the brand.
3.0 ★★★
VERY LITTLE LOYALTY BUT PLENTY OF “MANAGEMENT SPEAK”
I had an easy access ISA and received notification that the interest rate was being reduced. The explanation given was as follows: “However, sometimes we need to make changes to the existing rates in response to shifts in the economy and the wider savings market. We don’t make these decisions lightly, but they are necessary to ensure we remain a strong, sustainable business while continuing to provide value to all our customers.” A quick look at the KRBS website reveals the apparent hypocrisy of this statement as they are offering a “new” easy access ISA product at the higher interest rate. It appears to me to be just another example of a company favouring new business at the expense of loyal customers. I would actually find it less irksome if they were honest about the reason rather than insulting their Customers’ intelligence.
2.0 ★★
Trying to transfer over my variable cash ISA from Kent reliance to Plum, and it’s taken over a month! Even after verbal consent to transfer the isa, im still getting letters asking for it. Oh, and the best part is the balance on the letter is completely wrong!!! How can that even happen? An extra £15,000 on my account, really??? The website is absolutely terrible, we’re not living in the 90s. Nothing getting updated and half of the statements are not there. Will be glad when I finally leave.
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Cash ISA
Easy-access
Minimum deposit
Maximum allowance
£20,000 per year
How to open?
Interest paid
Is flexible?