Published: 15th October 2026
Save tax-free with 4.65% AER variable, monthly interest and two withdrawals per calendar year—all while supporting projects that benefit people and planet.
We’ve launched the Ecology Double Access Cash ISA, giving you another way to save with purpose.
You can open an account with £50 and make two withdrawals each calendar year without notice or charge. It could suit you if you want to put money aside and only need occasional access to your savings.
Tax-free savings with monthly interest
The account pays 4.65% AER / 4.55% tax-free variable, with interest paid monthly. You can choose to have your interest added to your ISA or paid into your linked account when you apply.
The rate is variable, so it can go up or down. From 1 December 2027, it will change to match the Ecology Cash ISA rate applicable at that time.
Your withdrawal allowance resets on 1 January each year. If you need to make any further withdrawals after using your two withdrawals, you’ll need to close the account.
Your savings, making a difference
As with all Ecology savings accounts, your deposits help fund mortgages that support people and planet. These include affordable housing, energy-efficient new builds, renovations, conversions and community projects across the UK.
Pauline Crawford, Ecology’s Senior Savings Product and Proposition Manager, said:
“With our Double Access Cash ISA, Ecology is dispelling the myth that sustainable saving means sacrificing return.
“It’s a perfect opportunity for thousands more people to show they care about where they save and what their money does.”
Ecology Double Access Cash ISA: key details
- Interest rate: 4.65% AER / 4.55% tax-free variable, with interest paid monthly.
- Rate transition: from 1 December 2027, the rate will match the Ecology Cash ISA rate applicable at that time.
- Minimum balance: £50 to open and maintain your account.
- Withdrawals: two per calendar year without notice or charge. Further withdrawals require account closure.
- Transfers in: transfers from other ISA providers are not accepted.
- ISA flexibility: this is not a flexible ISA. Replacing withdrawn money uses your remaining ISA subscription allowance.
- Eligibility: aged 18 or over and UK resident for tax purposes, with exceptions for qualifying Crown employees serving overseas and their spouses or civil partners.
- ISA allowance: the overall subscription allowance is £20,000 for the 2026/2027 tax year.
Find out more
You can apply online or through the Ecology App. If you’re unable to open or operate an account online, you can apply by post.
Explore the Ecology Double Access Cash ISA to read the full product conditions and find out how to apply.
AER stands for Annual Equivalent Rate. It helps you compare savings accounts by showing the annual rate, taking account of interest added during the year. The stated AER assumes funds are deposited by 30 November 2026 and monthly interest remains in the account.
Interest is paid tax-free. Tax treatment depends on your individual circumstances and tax rules may change. Account terms and conditions apply.
Rates and information correct at 15 October 2026.
