Cash ISAs: The Best Currently Available List

NebulaNova

https://forums.moneysavingexpert.com/discussion/comment/81961045#Comment_81961045

I'd rather go with someone with a higher rate and allows 3 withdrawals than Monument. That's a low interest rate.

nomorekids

Chetwood 5 year 4.65%

5 Year Fixed Rate savings account from Chetwood Bank

Chetwood 1 year

nomorekids

anyone actually had their hsbc isa transfers gone through or even heard from them? surely 10 days is enough to at least acknowledge receipt? Their bonus is time limited. Getting nowhere trying to ring them

and the chat is hopeless …..

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81961050#Comment_81961050

Good, but it's not an ISA.

Wrong thread.

mon3ysav3r

https://forums.moneysavingexpert.com/discussion/comment/81961053#Comment_81961053

Yes, opened HSBC Cash ISA on 30/03/2026 and transfer completed today (dated 10/04/2026) and letter and 47 page ISA terms and conditions dropped through my letterbox this morning 13/04/2026.

I then spent 30 mins on the phone to HSBC asking if I could also add new cash for this tax year (given the 30 day funding window), I didn't get a clear response, they said I could use the transfer in pdf form to add new cash, I wasn't convinced by the answer so opened a cash ISA with someone else, shame it would have probably made the cashback 250 quid rather than 150 quid.

superleeds27

https://forums.moneysavingexpert.com/discussion/comment/81961047#Comment_81961047

And you've also heard of people having no issues transferring out too.

https://forums.moneysavingexpert.com/discussion/comment/81961049#Comment_81961049

Remember to look at the T&C's carefully. Alot of these higher rate accounts apply to new money only from this year and don't apply to money transferred in.

NebulaNova

https://forums.moneysavingexpert.com/discussion/comment/81961198#Comment_81961198

Thanks. It will be new money I'm looking to move into an ISA. Monument don't have an app which may make it difficult managing on mobile

superleeds27

https://forums.moneysavingexpert.com/discussion/comment/81961209#Comment_81961209

Monument is app only?

andyhicks88

Regarding Monument I believe there are referrals available that give you £50 bonus for depositing 10k into their ISA. I don't have a monument account so this isn't an advert for my refferal links haha, I'm just saying, i've seen it around.

I wonder if you would get away with depositing the 10k to get the bonus paid (which is within a couple of days by all accounts) and then transferring back out into a fixed rate, like I would like to try. I guess they will probably grab the bonus back knowing my luck!

blindman

Monument is APP only.

Bonus of £50 if you refer someone.

Bonus got paid within 24 hours to the linked bank account.-So they cannot grab it back :

""QUOTE

I wonder if you would get away with depositing the 10k to get the bonus paid (which is within a couple of days by all accounts) and then transferring back out into a fixed rate, like I would like to try. "

Might work….

However the Referal period ENDS on 15th April so do it quick :)

And YES

[Text removed by Forum Team]