Kent Reliance ISA rates

How Kent Reliance's ISA rates compare

Kent Reliance's highest easy access rate is 4.24% AER, on its Easy Access Cash ISA (Issue 2). The highest easy access rate in our tables on 30 October 2026 was 4.86% AER.

Rates are set by each provider and can change. Compare every provider in the easy access, fixed rate and notice tables.

Taking money out of a Kent Reliance ISA

Three Year Fixed Rate Cash ISA (Issue 6)

Taking money out or transferring out costs a loss of interest (the days are in the key features shown when you apply), and you cannot add money after the first 30 days.

Two Year Fixed Rate Cash ISA (Issue 6)

Taking money out or transferring out costs a loss of interest (the days are in the key features shown when you apply), and you cannot add money after the first 30 days.

One Year Fixed Rate Cash ISA (Issue 7)

Taking money out or transferring out costs a loss of interest (the days are in the key features shown when you apply), and you cannot add money after the first 30 days.

Easy Access Cash ISA (Issue 2)

Access anytime with no notice, and money withdrawn can be replaced in the same tax year without using extra allowance.

Branch Easy Access ISA (Issue 1)

Withdraw or transfer out without notice or penalty, though money taken out cannot be replaced in the same tax year.

Transferring an ISA to or from Kent Reliance

All 5 of Kent Reliance's adult Cash ISAs accept transfers in from other providers.

How to move an ISA to Kent Reliance

• For customers on its new Online Services, Kent Reliance accepts an ISA transfer in if the other provider is registered with Pay.UK to send ISA transfers, and suggests asking that provider.
• The details of the existing ISA can be given during the online application, or after the account is open by logging in to Online Services.
• The Easy Access Cash ISA takes all or part of a Cash ISA from another Pay.UK registered provider.
• On the 1 Year Fixed Rate ISA, a partial transfer out must not reduce the balance below the £1,000 minimum account balance.
• On the 1 Year Fixed Rate ISA, the term starts from the initial deposit or, if earlier, from the date Kent Reliance activates the account to receive a transfer.

How long a transfer takes

On the Easy Access Cash ISA, Kent Reliance sends the money and information to the new provider within 5 working days of receiving that provider's transfer request. gov.uk says ISA transfers should take no longer than 15 working days between Cash ISAs, and 30 calendar days for other types of transfer.

Moving an ISA away from Kent Reliance

Kent Reliance can only send funds by Electronic Transfer, and all or part of the money in an ISA can be transferred to another provider. Transferring a 1, 2 or 3 year fixed rate ISA after the 14 day cancellation period and before the term ends carries a charge of 90, 180 or 270 days' loss of interest. The charge is deducted from the balance on the date of the transfer, so the amount received back may be less than the amount paid in. You can move a Cash ISA from Kent Reliance to another provider at any time. Ask the new provider to arrange the transfer: if you take the money out yourself, it leaves the ISA and paying it in again uses your allowance. A fixed rate ISA usually charges for leaving before the end of its term. See how ISA transfers work.

Transfer details checked on Kent Reliance's own website on 9 October 2026.

Is the Kent Reliance ISA flexible?

4 of Kent Reliance's 5 adult Cash ISAs are flexible: Three Year Fixed Rate Cash ISA (Issue 6), Two Year Fixed Rate Cash ISA (Issue 6), One Year Fixed Rate Cash ISA (Issue 7) and Easy Access Cash ISA (Issue 2). With a flexible ISA you can take money out and put it back in the same tax year without using more of your allowance.

Good to know before you open one

Three Year Fixed Rate Cash ISA (Issue 6)

Fund it within 30 days of opening. Interest paid annually or monthly (4.95% gross monthly, same 5.06% AER). Balance must stay at £1,000 or more.

Two Year Fixed Rate Cash ISA (Issue 6)

Fund it within 30 days of opening. Interest paid annually or monthly (4.91% gross monthly, same 5.02% AER). Balance must stay at £1,000 or more.

One Year Fixed Rate Cash ISA (Issue 7)

Fund it within 30 days of opening. Interest paid annually or monthly (4.84% gross monthly, same 4.95% AER). Balance must stay at £1,000 or more.

Easy Access Cash ISA (Issue 2)

Open online only. Interest paid annually or monthly (4.16% gross monthly, same 4.24% AER). Maximum balance £900,000. Needs Kent Reliance Online Services.

Branch Easy Access ISA (Issue 1)

Open in a Kent Reliance branch only (all branches are in Kent). Monthly interest needs £1,000 to open. Maximum deposit £1,000,000.

About Kent Reliance

Legal name

OneSavings Bank plc (trading as Kent Reliance)

Country of incorporation

England and Wales

Principal place of business

Chatham, Kent, UK

Regulatory status

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 530504)

Deposit protection

FSCS, up to £120,000 per person per banking licence

Complaints

Financial Ombudsman Service

This page covers Kent Reliance's Cash ISAs only. We have no commercial relationship with Kent Reliance, and the order of the table is set by rate alone. See how we compare and how we make money.