Cash ISAs: The Best Currently Available List

Rheumatoid

Bunfight. Chetwood 2-5yr 4.55% via HL

Rosa_Damascena

I have mixed feelings about Plum. When it works it is great - but noit being able to speak to someone in real time was problematic for me over the BH. I did eventaully get to chat to a real person over the messaging service, but they may as well have been a robot!

SavingsBoo

https://forums.moneysavingexpert.com/discussion/comment/81953590#Comment_81953590

Thanks @RunsFromRobots, I hope you hear back soon.

superleeds27

Think I'll give T212 a miss too:

Only funds you deposit or transfer in the Current Tax Year (running from 6 April to 5 April) earn the Promo Rate;

Funds transferred into the Cash ISA from previous tax years earn only the Core Interest Rate

gt94sss2

First Direct cash ISA £100 cashback

We'll give you £100 cashback when you deposit or transfer in at least £10,000 of new funds into a first direct Cash ISA.

The offer is available between 6 April and 4 May 2026 when you top up and/or transfer £10,000 (or more) of new funds.

https://www.firstdirect.com/savings/products/cash-isa/

How it works:

1. if you don’t already have one, apply for a first direct Cash ISA in our App or Online Banking
2. top up and/or transfer in £10,000+ of new funds by 4 May 2026
3. maintain a Cash ISA balance of at least £10,000 until 31 July, and we’ll credit £100 to your 1st Account.

Oddly, you don't seem to be able to open a cash ISA online if you only want to fund it via a transfer rather than a new subscription

Ocelot

https://forums.moneysavingexpert.com/discussion/comment/81953100#Comment_81953100

Mine was the 3 year one.

mon3ysav3r

https://forums.moneysavingexpert.com/discussion/comment/81954489#Comment_81954489

They quote the ISA rate as 2.75% AER (2.72% tax-free), if my terrible maths is correct the extra 100 cashback still only makes the rate 3.75% to 4% on £10,000, a rate which can be beaten at the moment. EDIT - I suppose you could move the money after 3 months to another Cash ISA with a higher AER, but if it isn't a flexible ISA you would need to use an ISA transfer to move the funds to another ISA.

FarmGirl78

Propser is back on at 4.6%. Flexible easy access. New money only, no transfers in. £10,000 minimum opening pay in.

SnowMan

https://forums.moneysavingexpert.com/discussion/comment/81954489#Comment_81954489

https://forums.moneysavingexpert.com/discussion/comment/81954505#Comment_81954505

That assumes you keep your £10,000 saved in the ISA for 12 months. But you only need to have the ISA with them for as little as 3 months (say 1st May to 1st August) and can then transfer elsewhere. So you can argue if you manipulate things it is a very good rate for 3 months on £10,000 i.e about up to 6.75%pa (2.75% + 1% * 12/3). Whether it is worth it for the small amounts involved is another matter.

superleeds27

https://forums.moneysavingexpert.com/discussion/comment/81954525#Comment_81954525

Honestly don't know if i trust them after reading the things on here!