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Cash ISAs: The Best Currently Available List
Comments
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I've not gone through those links, as I'm heading to bed. There are problems with ISA transfers at times between 2 parties for one reason or another. I cannot think of any bank names off the top of my head, and it's not my place here to mention anyway, but have definitely read about them on the forum. I've already said that my transfer from Monument to Vida earlier this year was very easy and took 2 days.
I am not enticing you to go with Monument, far from it, but I had no problems at all. Only gripe I had was the very sudden drop in interest rate last year shortly after opening. If I could have got the bonus rate this year, I would have taken it, as they are one of the few flexible providers who don't limit you to a certain number of withdrawals. You keep bringing up that they are difficult to transfer from, but am sure if you check the forum for other banks, you will find problems at times with them too. There really is no point in keep bringing up the topic repeatedly on this same thread. If you don't want to go with them, don't, pick another.7 -
Totally agree, the repeated concerns by the same poster about Monument appear to be unwarranted but if they don't like Moument, they should just go with a different provider.
FWIW, my own experience with Monument was good. When they cut their rate, I transferred out (large 5 figure amount). My notes from the transfer: "requested 02/07/2025 20:48; Monument sent money on 03/07. Tembo credited 07/07 + backdated interest". I had previously transferred into Monument from KRBS - requested 30/04, completed 02/05. Superb service, by any measure, even if the good rate only lasted a couple of months.6 -
Great idea, I will do just that! The vast majority of my funds can go into the highest interest ISA which I know I won't need to touch and I can put what's left into an ISA I can dip into without punishments, so it's there as an emergency backup pot if I need it. Thanks for your clever advice.👍️
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Went with Monument. Signed up last night via a referral and got the bonus £50 today. Impressed so far. Thanks.
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Words fail me, but am glad you are sorted.
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Signed up with West Brom today at 4.56% (4.47%).
30 day funding window to swap Gatehouse Bank ISA's.
Really happy with rate etc. and fingers crossed it all goes smoothly.
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https://forums.moneysavingexpert.com/discussion/comment/81957383#Comment_81957383
I had one of their accounts with good rates. they dropped after two weeks, stayed. then dropped after another 3 weeks. Left.
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Their cash ISA has been the same rate for a couple fo months now and I've always found their rates to be fairly competitive. Of course they are going to drop their rates when the rest of the market is dropping rates, the same as any other provider. You were probably unlucky with timing, there is nothing wrong with Atom at all and it's a bit wrong to suggest they are constantly dropping their rates and doing over their customers when it's simply not the case,
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my transfer from Chip to Monument I summited Fri has just completed pretty swift transfer
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That was just my experience. I also did not say they are "constantly dropping rates".
I only moved because there were better rates elsewhere. I would not have done if they were "the same as any provider"
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