Cash ISAs: The Best Currently Available List

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!

ccluedo

https://forums.moneysavingexpert.com/discussion/comment/81967746#Comment_81967746

I agree with your contrast.

Nijinsky

https://forums.moneysavingexpert.com/discussion/comment/81966332#Comment_81966332

I was going to switch to Monument as my current ISA drops to 3.7% tomorrow, but Monument has dropped to 3.74% already!

I feel sorry for anyone who has joined them. They've falsely enticed people to join at 4.28% and instantly dropped their rate to 3.74%. They shouldn't be allowed to deceive people like this!

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81967781#Comment_81967781

I'm not sticking up for Monument, but have they dropped the rate for those customers who got in at 4.28%?
It sounded to me that they had just pulled the offer of the boosted rate for new customers, but still offering the other lower rate. We'll soon find out.

Two of the ISA's I signed up for in this new tax year are now at lower rates. Tandem fixed at 4.51% was pulled pretty quickly and a lower rate of 4.35% offered, it's now at 4%. Just noticed that Vanquis Triple Access issue 5 at 4.3% has been pulled to be replaced with issue 6 at 4.08%.
Those are the only two I've checked up on, but am sure there are others.

andyhicks88

The Momument rate is still the same for customers who joined when the boosted rate was still on offer. Btw, I koathe to mention it as I know it's been flagged as off topic…but regarding my little Monument issue with the bonus referral reward…I had an email from their CS stating it was escalated to management and they can confirm I will definitely get it…..though i still haven't 😅

superleeds27

https://forums.moneysavingexpert.com/discussion/comment/81967781#Comment_81967781

?

I switched when it was 4.28%, still getting 4.28%

All they've done is remove the boosted one from the site - assuming they must have met the target if new customers they were wanting

badger09

https://forums.moneysavingexpert.com/discussion/comment/81967489#Comment_81967489

I can confirm that Santander do contact you shortly before a FRISA matures. Mine matures 1st May & I had emails & secure messages from them 6th and 17th April about maturity options.
The 17th April message spelled out that I could ‘Upgrade’ my maturing ISA into a new FRISA during the 28 days before maturity. New rate is 0.25% higher so that’s what I’ve done. Account number stays the same & interest was credited.
All very slick.

Ocelot

https://forums.moneysavingexpert.com/discussion/comment/81967781#Comment_81967781

That's the danger of using easy access accounts.

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81968071#Comment_81968071

Except it hasn't dropped, that rate (3.74%) hasn't changed and been available for a few months. Just that the account at 4.28% for new customers has been pulled. However, yes easy access rates do drop and can rise too.