Cash ISAs: The Best Currently Available List

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81958358#Comment_81958358

I don't know if it will suit you or not but Vanquis Triple Access may fit the bill at 4.3% and doesn't include a bonus, interest can be paid monthly or annually. https://www.vanquis.com/savings/isas/triple-access-isa/
It's not the highest payer, but 3rd on the list on moneyfacts for flexible isa's.
I went with this one for current year subscription as I like having a flexible ISA, have other accounts with them and have had no problems, so far anyway.

Malchester

https://forums.moneysavingexpert.com/discussion/comment/81958328#Comment_81958328

Some building societies are painful for transfers but others aren't. Skipton and Coventry are OK. So have gone to Skipton instead of Saffron

NebulaNova

https://forums.moneysavingexpert.com/discussion/comment/81958426#Comment_81958426

Thanks, they are only 4.3% and my Moneybox is currently 4.26% so there's no a huge difference there. Any other benefits over MB?

NebulaNova

https://forums.moneysavingexpert.com/discussion/comment/81958426#Comment_81958426

@ToastLady I'm actually tempted by the Vanquis one. Can you confirm it's all done online please and nothing by post? And you can fund it as soon as you open it?

NebulaNova

https://forums.moneysavingexpert.com/discussion/comment/81958426#Comment_81958426

Also, Vanquis doesn't look fully flexible as it only allows 3 withdrawals

Scot_39

https://forums.moneysavingexpert.com/discussion/comment/81957328#Comment_81957328

check the receiving suppliers terms.

At least one I looked at last month for 1yr fix end transfer still have had hard cap - 30 days from opening to receive actual funds - so for safety 8 days before in that case. Statutory 15 wd from maturity - but 15 working 21 actual plus 8 = 29.

In reality electronic tranfers (if both parties on system) been taking 2-3 days so likely earlier, but one non electronic transfer from a small localised BSoc a couple of years ago did take nearly the full 3 weeks by time cleared to lift in new account - so to late to move again if wsnted to..

(Why might you want to - well for this year 20k opened 2 fixes on 6th/7th - the bank raised its rates to stay near top of tables mid week - so considering moving to new vns under 14 day cancel rules - even if only worth c£30 over durations)

superleeds27

https://forums.moneysavingexpert.com/discussion/comment/81958160#Comment_81958160

Yeqh I'm going in as a new customer. The bonus rate should help for the year

superleeds27

https://forums.moneysavingexpert.com/discussion/comment/81958358#Comment_81958358

Monument?

samtaylor99

https://forums.moneysavingexpert.com/discussion/comment/81958490#Comment_81958490

You might get lucky. I didn't - they wanted certified copies of D. Licence & Passport by post

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81958509#Comment_81958509

It is flexible with 3 withdrawals, but you can put whatever you have withdrawn from your subscription at any time. Further withdrawals are allowed but the rate goes down.
All dealings done online, nothing by post for me. I didn't transfer in, just new money for this tax year.
I suppose if you wanted to make more than 3 withdrawals, make the 3rd or 4th a transfer to another provider.
I have no idea how this compares to your Moneybox ISA, whether good, bad or indifferent, entirely your choice.
Monument ISA for new customers, might be worth a look. However last year, as you'll have seen in previous posts, they were quick off the mark to reduce the rate.

Past few years I've opened a flexible cash ISA when new tax year starts roughly, then transfer the old flexible to a fixed if at a better rate, which has been the case. Suits me, but not for everyone.