Cash ISAs: The Best Currently Available List

DodgerPot

Tandem fixed rate ISA

Now showing as just launched a drop in rate available 4.3% on 1-5yr fixes

SaveTheEuro

Santander at 4.5% on fixes for 1,2,3 and 5 years.

https://www.santander.co.uk/personal/savings-and-investments/isas/2-year-fixed-rate-isa

DodgerPot

Santander Cash ISA

Also offering a transfer in E-voucher promotion

andyhicks88

I have to say I find this time of year extremely stressfull, especially this year when we aren't quite sure what interest rates are going to do because of all the moving factors we have going on right now.I only have about 23k to play with here, a bit from an old EA ISA last year and most of this years allowance, so we are talking about £30 interest a year difference in all these rates and future rates probably so it's nothing but I'm just a bit overwhelmed with where to go and when to go. I'm the type of person who by the time I've decided what to do i'll have missed all the good offers. I very nearly opened the Tandem ones yesterday and then decided against it and now they are gone and I'm kicking myself.

Wolvesinwales_2

https://forums.moneysavingexpert.com/discussion/comment/81956209#Comment_81956209

I feel the same and generally find it's rarely worth the hassle of chasing a little bit extra.

andyhicks88

https://forums.moneysavingexpert.com/discussion/comment/81956219#Comment_81956219

I know and I tell myself that and realise it but then when it comes to going to actually apply and fund anything my brain just says stop what if something better comes tomorrow which is so stupid because even if there was the difference would be about £5 or something so it's just a waste of that time but unfotunately that's just how I am. Without getting deep I've always struggled with my attitude towards money and being overly cautious and indecisive and fixating on tiny agains, I actually think it's a bit of an issue mentally but I've always been the same.

NebulaNova

https://forums.moneysavingexpert.com/discussion/comment/81956229#Comment_81956229

I'm the same! I have £20k to invest. Already with Moneybox so it's looking like I may just add to my existing one.

I want all the interest paid monthly and not fixed and it seems hard to find something better than the 4.26% I currently have. Not keen on Prosper and Plum don't pay all the interest monthly. It's a shame I was with T212 so can't get their high rate again, so looks like Moneybox may be the best to invest in again.

Bob2000

https://forums.moneysavingexpert.com/discussion/comment/81956229#Comment_81956229

I made a decision today to internally transfer my Gatehouse fixed 1 year isa at 4.35% for another year at 4.35% at maturity.

If the rates go up, they go up. Job done for another year.

superleeds27

https://forums.moneysavingexpert.com/discussion/comment/81956241#Comment_81956241

Same here tbh.

Moneybox 4.15% finishes in July, so ideally want something in place by then. Just no idea what to do. That's on the basis that everything seems so uncertain at the minute.

The Santander Fixed at 4.5% for 1 year is looking good though. Even if I just transferred in the Moneybox ISA from 25/26 into there, and looked at something else for the 26/27 year.

Undecided!

mon3ysav3r

https://forums.moneysavingexpert.com/discussion/comment/81956229#Comment_81956229

One thing you can be sure of - as soon as you do a new ISA a better one will appear!

I just filled out a transfer, and now have seen the Santander ISA offer, not only a slightly higher AER, but would have also got a 100 quid e-voucher!