Cash ISAs: The Best Currently Available List

flaneurs_lobster

RE: XTB 6% Flexible Cash ISA

So 6% for 90 days same as 4.5% APR? (is that right?) Isn't this rate (or better) available elsewhere without the 3 month limit?

SickGroove

Hello,

Can I open a Trading 212 Cash ISA today, but not start funding it until the new tax year 6th April 2026?

Are they easy enough to transfer out of once the rate drops after a year?

Also, in June 26 I've got a maturing 40K cash ISA held elsewhere, so possibly thinking of just opening the Moneybox one instead, as they accept transfers in & just fund that one with new money from April 6th then transfer the 40K in June.

Any suggestions welcome.

Cheers

flaneurs_lobster

Are they easy enough to transfer out of once the rate drops after a year?

It's a variable ISA, the rate could drop (or indeed rise) at any time. The bonus bit over 3.6% is fixed for a year, the basic rate is a quasi-tracker (it's link to the BoE base rate can be altered).

masonic

https://forums.moneysavingexpert.com/discussion/comment/81936600#Comment_81936600

There have so far been two threads where people have been caught out by the Trading212 10 day funding window to secure the promotional rate. If you were looking to get that, you'd need to wait a few more days.

SickGroove

Why does it say no cash ISA transfers to Trading 212 on Moneyfacts but when googled it states...

Yes, you can transfer an existing Cash ISA into a Trading 212 Stocks & Shares or Cash ISA without losing tax-free status. Transfers are free and initiated directly in the app, usually taking up to 15 working days. You can transfer full or partial amounts from previous or current tax years. 

Growingold

@Kazza242

Just seen on Moneyfacts Saffron BSOnline ISA (Issue 3) 4.5% min £1 . Withdrawals allowed, also Transfers In but non flexible.

However their website is showing 3.95% for this issue

nomorekids

Moneyfacts is showing

Furness 5 year 4.48% (and also a 2 year 4.45% akin to the West Brom 18 month one at the same rate)

decisions decisions ?

anyone know how the transfer process goes with these Building Societies.

Lovely to see the established building societies fighting back the newbies on the block with these fab rates

clairec666

https://forums.moneysavingexpert.com/discussion/comment/81937740#Comment_81937740

Never transferred into either of them before, but I imagine that the process might be a bit slow, given that 1) they are some of the top rates available, so likely to be popular, and 2) they are small-ish building societies so might not be used to high demand

Malchester

https://forums.moneysavingexpert.com/discussion/comment/81937683#Comment_81937683

Now showing on Saffron website. Anyone with the Issue 3 already will have rate increased automatically I have been told by web chat just now

where_are_we

Saffron BS 4.5% cash ISA - good rate and allows transfers in. Although withdrawals are allowed their is a downside. It is not a flexible cash ISA.