Cash ISAs: The Best Currently Available List

NebulaNova

https://forums.moneysavingexpert.com/discussion/comment/81952367#Comment_81952367

Why not Moneybox if you're already with them? Wouldn't Virgin be lower interest?

andyhicks88

Let's see if we have a nice flurry of new rates and offers today……👀

intalex

Not sure if already reported on here, but Vanquis Triple Access Issue 5 @ 4.30% AER proved an easy upgrade from my Issue 3 @ 4.08% AER

buyhighselllow

1 year and 18 Month Flexible Cash ISA 4.4% for Barclays Premier Customers.

superleeds27

Plum

OP states it's not Flexible, but there site says it is?

Our Cash ISA is flexible, meaning you can withdraw and pay it back without affecting your annual ISA allowance.

Good rate, but the bonus paid at the end is a bit meh.

Will hold off!

AspiringPensioner

https://forums.moneysavingexpert.com/discussion/comment/81952956#Comment_81952956

Hey intalex - I was just looking at that, as I have an existing Vanquis Triple Access ISA paying 4.08%. Is it straightforward to upgrade? Do you have to go through a full transfer process as with funds coming from a different provider, or is it a simple process within their online banking? (it isn't addressed specifically in the product info pdf)

Ocelot

The Nationwide 4.5% fixed rate ISAs are still available in this tax year. I opened one yesterday.

luci

https://forums.moneysavingexpert.com/discussion/comment/81953092#Comment_81953092

Is that the 5 year one? Nationwide only seem to do fixed rate, or limited access ISAs, not easy access ones.

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.