Cash ISAs: The Best Currently Available List

friolento

The isBank 4.35% 1 year fix is still showing in Meteor, alongside a 4.2% rate for what appears to be the exact same account. I don't know whether this is an error but you can currently still apply for it. It takes a business day before they confirm or reject your application.

gwapenut

https://forums.moneysavingexpert.com/discussion/comment/81888165#Comment_81888165

But did we decide that you have to transfer in specualtively first and then it's down to what's available on the day the transfer is complete? Out of interest, is it the same for Hargreaves Lansdown active savings?

friolento

https://forums.moneysavingexpert.com/discussion/comment/81888172#Comment_81888172

Yep, at Meteor you have to take a risk with transfers in (which can take quite while). It's different for new money - you deposit and can use the cash straight away. You still need to wait for another business day for confirmation or rejection.

I have no experience with HL ISAs but would expect it works similarly.

gwapenut

While the money is stuck on the meteor platform, not held within an ISA, who provides the banking and FSCS cover for that hub? eg With Hargreaves Lansdown, I believe it is Barclays.

EDIT: Clicking on "latest rates" at Meteor no longer shows the 4.35% rate for me, even though @friolento saw it today. Perhaps they only show that to people who arranged an ISA transfer in while the rate was available?

pecunianonolet

https://forums.moneysavingexpert.com/discussion/comment/81888178#Comment_81888178

https://www.cynergybank.co.uk/personal/isa-transfers

OH just completed a Moneybox to Cynergy transfer and it's on the list.

gt94sss2

https://forums.moneysavingexpert.com/discussion/comment/81888205#Comment_81888205

4.35% is the non ISA rate

happybagger

https://forums.moneysavingexpert.com/discussion/comment/81888036#Comment_81888036

Oddly when Issue 7 was available, the closed issue list only listed Issues 1-5. Now 7 has gone NLA, they list issues 1-6 as closed.

Was Issue 7 really issue 6?

I'd love to know what Issue 7 (the one recently NLA) will be paying after 1/3. If anyone has it and gets a notice can they post it please.

I was a bit peeved that you can't transfer to another ISA within Marsden.

KneadtheDough

https://forums.moneysavingexpert.com/discussion/comment/81887313#Comment_81887313

Is it the Marsden Online Single Access Flexible Cash ISA (1)? I had a letter for that version but my letter says going from 4.3% to 4%.

SnowMan

https://forums.moneysavingexpert.com/discussion/comment/81890141#Comment_81890141

That is likely to be the online cash ISA (issue 6) that RunsFromRobots is referring to

https://www.themarsden.co.uk/files/savings/other-downloads/closed-issues-document.pdf?1760025956

The fleeting existence (or not) of the online cash ISA (issue 7) and any rate cut that is scheduled for that remains a mystery

Powapa

Not sure if Prosper's new Cash Isa has been mentioned yet, it pays 4.5% but needs a minimum of £10,000 deposit. Unfortunately I only have £6K left of my ISA allowance this year so can't open it.