Cash ISAs: The Best Currently Available List

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81914146#Comment_81914146

Did a withdrawal from a Tembo cash ISA last week - in my current account next day.

MaxBlax

XTB 6% Flexible Cash ISA

What are forumites views of XTB's 6% (includes 2% boost for 90 days from ISA open date) variable flexible cash ISA available until 30/04/26?

https://www.xtb.com/en/cash-isa

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81914158#Comment_81914158

New clients to XTB only.

No transfers in, new cash only.

You need to open a GIA before you can apply for the ISA, with the usual KYC questions needed for an investment account.

guli

https://forums.moneysavingexpert.com/discussion/comment/81913936#Comment_81913936

what about the interest / gains?

if I withdraw £20,000 plus interest/gains, can I deposit the entirety above into a new flexible ISA without being considered over subscribing, or just £20,000 (means my interest/gains amount are now not under the tax free umbrella anymore)

intalex

https://forums.moneysavingexpert.com/discussion/comment/81914428#Comment_81914428

Pretty sure you can only restore what you withdrew into the original flexible ISA only, but to have the entirety (with growth) in a new ISA, you'd have to do an ISA transfer…

crumpet_man

https://forums.moneysavingexpert.com/discussion/comment/81914428#Comment_81914428

Why do you think your interests/gains will no longer be tax free?

You can withdraw this tax years contributions up to £20k from a flexible ISA and deposit it into any new ISA (flexible or not) before the end of the tax year.

guli

https://forums.moneysavingexpert.com/discussion/comment/81914487#Comment_81914487

Yes, it's only tax free if I withdraw the growth as well (to close current ISA). Leaving behind in current ISA will still be tax free.

Angelica123

https://forums.moneysavingexpert.com/discussion/comment/81914496#Comment_81914496

Why not just do an ISA transfer (using the ISA transfer service) to the new ISA if you want to keep the entire sum under the ISA umbrella?

guli

https://forums.moneysavingexpert.com/discussion/comment/81914503#Comment_81914503

some ISA providers are a hassle to do an ISA transfer, unfortunately

FishInGlass

https://forums.moneysavingexpert.com/discussion/comment/81914503#Comment_81914503

Some providers do not allow you to do transfers in. This is a work around for that scenario.