Cash ISAs: The Best Currently Available List

superleeds27

Moneybox to Monument completed this afternoon. Started Monday afternoon, so not bad going I guess!

[Deleted User]

https://forums.moneysavingexpert.com/discussion/comment/81967248#Comment_81967248

I've been looking at that many different ISAs, can you manage the Santander one online? I'm sure I read you have to go to a branch or phone when you want to transfer at maturity.

what-a-save

https://forums.moneysavingexpert.com/discussion/comment/81967384#Comment_81967384

Have a Santander current account already so don’t know if that makes a difference when opening a new isa but it was all conducted online, as was the transfer request.

Have previously had fixed isa’s with Santander and at maturity have transferred to new providers with no problem all done online.

Hope that helps.

oddcueball52

https://forums.moneysavingexpert.com/discussion/comment/81967384#Comment_81967384

I don't have any accounts with Santander, applied for easy access ISA online on Friday 10th April and received my new cash ISA account details shortly in the email.

You can check your cash ISA online, I received the login details sent in a separate letter from the security code yesterday and registered for online banking.

refluxer

https://forums.moneysavingexpert.com/discussion/comment/81967384#Comment_81967384

You can open and manage a Santander cash ISA online without needing to phone or visit a branch.

That's presuming you pass an online ID check if you're a new customer (and don't need to visit a branch to provide any physical ID).

If you want to transfer away to a different ISA provider at maturity, you do that via the new provider and won't need to deal with Santander at all.

etienneg

https://forums.moneysavingexpert.com/discussion/comment/81967384#Comment_81967384

To transfer an ISA you always go to the new ISA provider and ask them to do the transfer. I've transferred many times and never had to communicate with the old provider, let alone visit a branch!

For a fixed-term ISA they may write to you approaching the end of the term to offer you their own ISAs to transfer into. If you don't reply the default is an easy access ISA at a low interest rate, so it's up to you to do what you want at that point - but never requiring a branch visit.

[Deleted User]

https://forums.moneysavingexpert.com/discussion/comment/81967425#Comment_81967425

Thanks for that and the other replies, really helpful.

[Deleted User]

I've found this under the summary box info on their site, so I'm a bit confused

friolento

https://forums.moneysavingexpert.com/discussion/comment/81967641#Comment_81967641

what does 'manage' mean in this context? What's the name of the account?

Rich2808

I can certainly confirm Santander are pretty efficient - I made an ISA transfer request yesterday evening after opening my account online a few minutes earlier and my current provider emailed me this afternoon to confirm they had received the request and were actioning it. I already had another Santander ISA and online banking - which I accept will have saved time.

That contrasts with a certain other major high street bank with a cashback offer (but for whom you need a current account with) and a 4.5% fixed rate isa where I am starting to wonder if the transfer will ever happen! I finally got a letter in the post from them today which was dated 1 April saying thanks for opening a fixed rate ISA along with a leaflet. No mention of my ISA transfer which my existing provider is waiting for them to take the necessary steps to complete.

Personally for anyone weighing up which cashback/4.5% combo offer to go with - I would recommend Santander. They also have multiple length terms - 1, 2, 3 and 5 years not just 1 year. You really don't need the stress and hassle of dealing with the latter entity!