Cash ISAs: The Best Currently Available List

harz99

Growingold said:

Vida Savings Defined Access ISA (issue 3) - 4.11%  Banner on account saying interest rate reducing on 29/01/26.

I have had no notification.  Does anyone have any idea what it is reducing to please. Many thanks

I can't see any actual figures anywhere...does beg the question of, does the requirement to notify rate reductions to customers in advance include having to publish the new rate with the advance notification or not?

1spiral

I too haven't received any rate reduction notifications for either my isa or general savings account with them. My isa is a NLA issue 1.

Growingold

1spiral said:

I too haven't received any rate reduction notifications for either my isa or general savings account with them. My isa is a NLA issue 1.

Yes I have ISA Iss 1 and ISA Iss 3.  I have messaged them but haven't heard back yet.

harz99

Regarding individuals not receiving personal notifications, that is not unusual…what do the T&Cs say about how rate changes will be notified?

1spiral

https://forums.moneysavingexpert.com/discussion/comment/81856024#Comment_81856024

"If we decrease the interest rate, we’ll notify you at least 14 days ahead of the change. See the Savings T&C for more information."

flaneurs_lobster

Chaps, 4 posts now with no mention of which product is being discussed - helps if you just stick the name at the top of your post (or quote a post where it's mentioned).

harz99

https://forums.moneysavingexpert.com/discussion/comment/81856097#Comment_81856097

The same one that was last mentioned...

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81857561#Comment_81857561

…which is on a previous page

pecunianonolet

Aldermore

I just moved from Cynergy at 4.05% to Aldermore for the 4.15% and kept a pound in Cynergy just in case. They now luanched a 4.10% ISA, which I opned and made an internal transfer to materialise the accrued interest and now Aldermore is reducing rates. Quite dispapointing and now having to move back I guess.

subjecttocontract

Surely that's always going to happen with a variable rate isa.