Cash ISAs: The Best Currently Available List

gwapenut

For those lucky enough to get issue 3 of the Saffron online ISA - the T&Cs state that transfers in must be within 15 days of account opening.

This is not a restriction on the account - I have been told "This was put in predominantly for those transferring in immediately so we could gauge what was coming in. The account itself is unrestricted so you can transfer in at any time"

happybagger

https://forums.moneysavingexpert.com/discussion/comment/81953120#Comment_81953120

Transfer in forms to be received by Saffron within 15 days

They then confirm receipt and advise it can take another 15 days to receive the funds.

I only wanted to transfer but if nothing is credited soon I'll just deposit some of this year's allowance to ensure it doesn't get closed by them.

I had the following email as I hadn't made a deposit:

Dear Mr Bagger

We’ve noticed you haven’t paid money into your new savings account

Thank you for opening your new account.  We’ve noticed you’ve not yet paid any money in.

You need to pay money into your new account within 30 days of opening it.  You can send payment from an account you have with another bank or building society using online banking.  Alternatively, tell your bank how much you want to send. 

You’ll need to use these details. ….

…

If you don’t pay money into your account

We’ll close your account 30 days after you opened it.  If you’ve already paid money in or arranged to do this after the date of this email, you don’t need to do anything.

NebulaNova

So far for me, it's Moneybox. No other ISA apart from T212 meets my requirements -

Full interest paid monthly

Withdrawals available

Plum was close, but you have to wait a year for the bonus rate. I can't see any others that beat the 4.26% I currently have unless someone else knows?

dave_dph

https://forums.moneysavingexpert.com/discussion/comment/81953169#Comment_81953169

Saffron confirmation of receipt of transfer form also states:

I can confirm receipt of your ISA transfer request. ISA transfers can take up to 15 working days.

Please note, automated account unfunded emails/letters will be sent out until your ISA transfer is received, and can be disregarded.

Rheumatoid

Marsden just topped the 5yr fix with 4.51%

Anyone used them?

intalex

https://forums.moneysavingexpert.com/discussion/comment/81953057#Comment_81953057

I followed this and it worked:

https://forums.moneysavingexpert.com/discussion/6663002/vanquis-internal-isa-transfer

mhoc

OH opened a Trading212 cash ISA yesterday but encountered issues.

He has always been known by one name but his passport has his birth name on which matches his birth certificate name. He used for the ID purposes the passport so the Trading212 issue has this name on.

(He only has a paper version of his driving license and thought that would not be acceptable for ID purposes)

He tried to send £1 across from his bank but could not get the transfer to work - his bank account has his normal name which is not his passport or ISA name - instead he has had tt send across £1 by bank transfer which can take 3 days.

I am thinking this is a problem with no solution so he might just have to close the Trading212 as its within the 14 day cooling off period

V3cash

https://forums.moneysavingexpert.com/discussion/comment/81953344#Comment_81953344

no but reviews say transfers are slow and more bad than good unfortunately

SavingsBoo

Saffron BS Cash ISA Transfer form

This is probably a daft question but can anyone help please? I'm filling in the Saffron ISA transfer form and not sure what to put in this section of the form. Is it 2026/27 as the current tax year or is it the tax year that the money to be transferred in was first put into an ISA?

Rheumatoid

https://forums.moneysavingexpert.com/discussion/comment/81953439#Comment_81953439

Thanks. Not looking for transfer. Just to bung in 20k. Guess I might have problems getting it out in 5 years if I'm still around 🤣