Cash ISAs: The Best Currently Available List

almondcake18

was looking on Moneyfacts this morning and noticed that Leek Building Society have some good rates on cash ISA's fixed rate 4.6% on the 5 year, which I think is the best out there from other posts

V3cash

so I am interested In getting a good fixed rate for the new tax year as I used allowance for this year, however, I also want to transfer last years isa to, as these rates are slightly better. Is this quite easy to do? And which ones allow this?

I’m new to this really, understand general rules but the transfer in thing doesn’t look as straightforward as I hoped, didn’t really want multiple accounts but seem to have that going on. Is there another thread that’s useful to us newbies?

Ocelot

I wonder if the Nationwide ISAs will last until the 6th (seeing as they have to be funded immediately)?

kyorin

Is there any reason why Etoro's 4.81% Cash ISA isn't listed?

GmailUser

https://forums.moneysavingexpert.com/discussion/comment/81944135#Comment_81944135

Same case here, money going into the FRISA account just a few days before they raised the rate to 4.5%. I will check if I can switch during the cooling off period. If not, how to raise a complaint? Would MSE help?

pecunianonolet

https://forums.moneysavingexpert.com/discussion/comment/81944936#Comment_81944936

How long did it take and from which provider? I need to move 2 ISA's from Cynergy and Aldermore. Saffron form is a bit strange to be fair as I will have partial transfers leaving a quid behind in both and had a lot of transfers. if my understanding is right transfers can only be submitted in the first 15 days after account opening?

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81945812#Comment_81945812

You'd need to check the terms to see if that switch (and associated cashback offer) is allowed.

Don't think you'd have grounds for a complaint (if the transfer were disallowed) just because the rate had increased for a new product - you agreed to the terms offered at the point of signing up. Would you have complained if the next day the rate had decreased?

Would MSE help how?

CuparLad

https://forums.moneysavingexpert.com/discussion/comment/81945838#Comment_81945838

The ISA Transfer must be received by Saffron within 15 calendar days of opening. Strictly speaking, if the money coming in via transfer took the full 15 working days, and you were slow in sending in your form, Saffron might justify closing the account after 30 calendar days if the money hadn't arrived by then, but I suspect that would be considered quite harsh since the transfer timeframe is out of your control. Best to get the form in ASAP.

andyhicks88

I'm torn on what to do here. I actually have 5k still to do something with by the deadline so I better decide on that pretty quick but regarding next years part of me wants to hold off see if rates are going to get any higher. The hsbc rate with the bonus offer is quite tempting though.

I'm interested to see what people are doing in terms of whether they are going for longer term fixes at these pretty good rates around now or still sticking to shorter term ones?

andyhicks88

Another thing I'm wondering and you guys will know better than me as I'm not really fully into this but is it possible/likely that ISA interest rates will fall after a few weeks because we are in an inflated period where all the providers are clamoring for the tranfsers and new money? Is that what usually happens, they fall back down? And what role will any future potential base rate increases play in that happening or not happening?