Cash ISAs: The Best Currently Available List

nomorekids · 30 March at 7:43PM

https://forums.moneysavingexpert.com/discussion/comment/81943496#Comment_81943496

basically £150 on a £20,000+ funded ISA, £250 on a £50,000+, and £500 cash bonus on a £100,000+ superdeal, works in terms of interest @ rate best on the fixed rate ISA with £20000 @ 5.25 and 5% on the other tiers. Excellent incentive but do read the T&C's on their website as its only certain ISA's and new funds to HSBC only

gwapenut · 30 March at 8:42PM

https://forums.moneysavingexpert.com/discussion/comment/81943647#Comment_81943647

It also requires you to have an existing current account with hsbc. They specifically mention maintaining the current account rather than opening a new one

nottsphil · 30 March at 11:01PM

https://forums.moneysavingexpert.com/discussion/comment/81918857#Comment_81918857

Am I right in thinking that this Prosper bonus (£384 gross on £20,000) is not only taxable, but isn't covered by the FSCS guarantee?

cricidmuslibale · 31 March at 1:24AM

Nationwide are releasing today (31 March) a new set of fixed rate Cash ISAs with increasingly attractive interest rates!

1 Year 4.35%
2 Years 4.40%
3 Years 4.50%
5 Years 4.50%

The minimum deposit in each case is only £1 but further additions are not permitted. However Nationwide do permit you to split your ISA allowance between more than one ISA with them so, for example, you could in theory open all 4 of these new ISAs and deposit £5,000 in each one of them.

(Assuming you either still have 2025-26’s full £20k ISA allowance available or more likely 2026-27’s from April 6 onwards.)

Also worth noting is that transfers in from Cash ISAs and/or Stocks & Shares ISAs are permitted for all these new Nationwide ISAs.

Source: www.moneyfactscompare.co.uk

luci · 31 March at 5:36AM

https://forums.moneysavingexpert.com/discussion/comment/81943895#Comment_81943895

Many thanks for posting.

I have a Nationwide fixed rate ISA that matured a couple of weeks ago. I've been holding off doing anything with it in the hope that they would have something better than the rates they had. I'm trying to keep the amount of financial institutions I have accounts with to a minimum, so this is perfect for me.

Do you know if you can have more than one of the same ISA, eg 2 x 1 Year? I'm going to transfer my current ISA, but I may decide to open another one in a couple of weeks. Thanks.

Edit - Account opened and funded 😁

Hal17 · 31 March at 9:21AM

https://forums.moneysavingexpert.com/discussion/comment/81943487#Comment_81943487

I only opened their 4% version in the last 2 weeks which included the cash back offer. I wonder if I can upgrade it to the new 4.5% as it's inside their 30 day window? Their support is a little long winded, but might be worth a call.

clairec666 · 31 March at 9:35AM

https://forums.moneysavingexpert.com/discussion/comment/81944114#Comment_81944114

You're within the cooling off period, so are able to withdraw from the 4% account without penalty and open the 4.5% version. I don't know what the terms of the cashback offer were, but I guess you could lose out on this if you don't keep the money in the account for long enough, but the extra interest gained at 4.5% might make it worth it.

Sandyra · 31 March at 11:05AM

Am I right in thinking, if I switch to HSBC premier via £100,000 savings criteria, (I don’t meet the salary requirement) transfer my £100,000 cash ISA I would get £750 (250 switch and 500 cashback) and 4.50% rate.