Cash ISAs: The Best Currently Available List

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81950952#Comment_81950952

Well the Terms of the offer say

What are new funds?

• Funds that aren’t already held in any account with HSBC, first direct or M&S Bank,before 9 March 2026.

I interpret that to say that new funds can go through any account you like.

Steve_xx

https://forums.moneysavingexpert.com/discussion/comment/81951007#Comment_81951007

I interpret it to mean that if your money is held in a HSBC account, First Direct or an m&s account, then it is transferred to your HSB ISA, that it will not count as new money and therefore will not be eligible for the cashback.

ccluedo

https://forums.moneysavingexpert.com/discussion/comment/81951042#Comment_81951042

That would also be my interpretation IF before the 9th of March wasn't mentioned.

guli

https://forums.moneysavingexpert.com/discussion/comment/81951042#Comment_81951042

What are new funds?
• Funds that aren’t already held in any account with HSBC, first direct or M&S Bank,
before 9 March 2026.
• Transfers of investments from existing HSBC portfolios, including third party products
recommended by HSBC, or rebalancing do not qualify as new funds

As we have already passed 9 March 2026 - any fresh funds from outside HSBC, first direct or M&S Bank and deposited into your HSBC current account is and should be considered "new funds". And thus transferring this from your HSBC current account into your HSBC Fixed ISA should be eligible for the cashback.

Full T&C here: https://www.hsbc.co.uk/content/dam/hsbc/gb/pdf/isa-campaign-offer-build-it-bank-it-terms-and-conditions.pdf

I think this clause is to deter existing HSBC current account holders before 9 March 2026 to just deposit existing non- "new funds" to be eligible for the cashback. They want "new funds"!

sammy_zammy

https://forums.moneysavingexpert.com/discussion/comment/81950601#Comment_81950601

How did you do that? It told me the code was no longer available yesterday.

Wolvesinwales_2

https://forums.moneysavingexpert.com/discussion/comment/81951274#Comment_81951274

Sorry just checked, it was the 3rd when I signed up.

ToastLady

For anyone waiting to see what the Zopa boosted rate is from today 6th April 2026.

Get a boosted rate on your Cash ISA

Open an Access ISA pot before 5 May 2026 and unlock a boosted rate of 3.75% AER* (3.68% gross**) variable. This includes our standard 3.25% AER (variable) Access ISA rate, plus a 0.5% AER bonus on top – giving you a boost until 5 April 2027.

A tad underwhelming, won't be bothering. Don't know why they bothered to send out emails in advance.

dave_dph

https://forums.moneysavingexpert.com/discussion/comment/81951485#Comment_81951485

Very underwhelming!

Looks like this year's money will go to either Saffron existing account, or a new one with Atom.

flobbalobbalob

I have a Vanquis cash ISA

How do you transfer another ISA into it online please.

Do I have to print and post a transfer request to them ? thanks.

NebulaNova

There's nothing amazing out there as I thought there would be today. I may put another £20k in Moneybox but that's only 4.26%. Already had T212 so I should think this is the best I'll get.