Cash ISAs: The Best Currently Available List

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81959406#Comment_81959406

Ah, OK. No problem with opening a new Santander ISA then requesting a transfer. The Terms say

How to qualify for an e-voucher

1. If you don’t have one already, open or upgrade to an Easy Access ISA or one of our Fixed Rate ISAs

.2. Complete a full transfer in instruction online or in branch. This asks for your non-Santander ISA (an ISA with a provider other than Santander) to be transferred to your Easy Access ISA or Fixed Rate ISA. For Fixed Rate ISAs, you need to do this within the first 14 days from opening or upgrading your account.

3. You need to ask for your transfer in whilst the offer is available from 6 April 2026 until the offer is withdrawn. You can do this online or in branch.

4. When you complete the form, you’ll need to make sure you ask for a full transfer of your existing non–Santander ISA. Partial transfers won’t qualify

my bold

guess the only (minor) risk is that Santander withdraw the offer before your request goes in.

blindman

Monument ISA

Any -one spotted you can get a £50 referral fee?

(Can't seem to find how to search this thread!

NebulaNova

I'm still struggling to know what to do with this tax years funds. There's nothing at 4.4%ish that meets my needs.

@ToastLady is Virgin ISA completely online?

masca

Hi. I currently have a MoneyBox cash ISA with a bonus rate that ends early May (previously also had a bonus rate from T212). As ISA rates aren't as good as they once were, I'm thinking that my best bet might be to transfer to a flexible ISA elsewhere, and then immediately withdraw 99% of the funds to a better rate in a standard savings account until end March '27 when I'll return the funds to the ISA envelope until the next financial year. Is there any disadvantage to this plan that I might have overlooked? Tax on interest isn't an issue for me BTW.

As a slight aside, are there any reliable, ENTIRELY online/app, ISA providers that are in the habit of offering loyalty bonuses beyond the first year? Transferring ISAs is such a PITA! I'd really prefer to stay put if I could...

Many thanks!

PS: I'm currently quite liking the look of the Manchester/Newcastle tracker ISA.

RosieRooBear

https://forums.moneysavingexpert.com/discussion/comment/81959427#Comment_81959427

Monument Boost ISA @blindman, yes, I helped my mum open the boost ISA yesterday. She then referred me so we both got £50 each and I then referred my hubby so we both got £50 each. We are all new customers and only put £10000 each, so including the referral makes my mum’s and hubby’s interest rate equivalent to 4.78% and mine at 5.28%. All the referral fees paid into our banks this morning so less then 24 hours.

badger09

https://forums.moneysavingexpert.com/discussion/comment/81958886#Comment_81958886

Wouldn’t your 3 dips be restricted to £5200 £4680 & £4212?

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81959452#Comment_81959452

Sorry, can't help with Virgin ISA, not had one.

NebulaNova

https://forums.moneysavingexpert.com/discussion/comment/81959492#Comment_81959492

I think you went with Vanquis didn't you? Was that all online with no waiting for anything in the post?

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81959502#Comment_81959502

Yes I did, and it was all online, nothing in post.

However, another member reported on thread yesterday, that his wife was asked to send certified copies of documents by post, so didn't bother, he hadn't had the same problem months before. There have been others successfully getting all done online with no problem.

NebulaNova

https://forums.moneysavingexpert.com/discussion/comment/81959512#Comment_81959512

Thanks. Can't remember if you've said but is there an app and can you view interest daily and made transfers from it? Thanks