Cash ISAs: The Best Currently Available List

badger09

https://forums.moneysavingexpert.com/discussion/comment/81968553#Comment_81968553

I can confirm that I was not charged any penalty. The letter dated 17th April clearly states ‘you can upgrade your FRISA up to 28 days before maturity and the interest rate will change straight away’. Interest, within a couple of £ of my rough calculation, appeared the following day.
In my experience Santander’s chatbot Sandi is useless and I’m not surprised front line staff don’t know about this feature. I’m not aware of any other provider who allows this.

I did everything in the app and have now persuaded husband to download the app & xfer an external maturing ISA which will generate £200 in vouchers and £150 more interest than another fix with his current provider.

londoner62

Thanks friolento & flaneurs_lobster for confirming my numbers.

Looks like I have no real choice other than to take this offer and then look for the next move after my FD current account is credited! Hopefully back to Santander!!!

RunsFromRobots

I've mentioned in a couple of posts in this thread I'm transferring an easy access ISA from Marsden to Saffron and this should complete this week. This ISA is currently worth just over £92k.

I'm thinking of adding another £8k to take it to £100k and transferring to a Santander ISA and collect the £400 evoucher.

As I haven't used my £20k allowance yet, am I allowed to open a new ISA elsewhere with the remaining £12k?

friolento

https://forums.moneysavingexpert.com/discussion/comment/81969867#Comment_81969867

Yes, you can contribute to as many ISAs of the same type (except LISAs) in the same tax year as you like. Individual providers are entitled to not allow more than one with them, but they cannot stop you from having one or more elsewhere as the ISA rules do permit it. https://www.gov.uk/individual-savings-accounts/how-isas-work

sparkiemalarkie

https://forums.moneysavingexpert.com/discussion/comment/81969867#Comment_81969867

If you have a Barclays account already you can get £600 in cash for transferring £100,000 to their Premier ISA @4,4% might be worrth considering too

sx

andyhicks88

I've rarely ever actually sorted my ISA money out in April/May and it's ended up that my main ISA with about 80k in and a couple of other smaller ones don't mature until sep/october when no doubt all the transfer offers and best rates will be gone, so that's unfortunate. I'm correcting that for this years ISA money so that I do have something to transfer next year if there are similar offers and bonuses as this year.

GrubbyGirl_2

https://forums.moneysavingexpert.com/discussion/comment/81967813#Comment_81967813

To the credit of Vanquis they did email account holders to say they had a better rate on offer and suggested opening a new account and transferring across

friolento

https://forums.moneysavingexpert.com/discussion/comment/81970027#Comment_81970027

I have seen lots of transfer offers in the first quarter of this year. If you want to avail yourself of any offers, you could consider easy / limited access ones when your existing ones are maturing next. Be prepared though that more and more of the transfer offers now come with a minimum holding time, some as long as 13 months.

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81970073#Comment_81970073

I am pleased to hear that, it's a rare thing these days.

friolento

https://forums.moneysavingexpert.com/discussion/comment/81970259#Comment_81970259

I did get that email, so I proceeded to apply for another 4.3% ISA (my existing one was already on 4.3%, not 4.08 as the email said). My application was accepted and they advised I would see the new ISA online the next morning. I got excited because it would have meant I have 6 withrawals in total…… the next morning came, no account was showing. Not the day after, either. Then I got another email apologising that they had sent me the original email in error, and that they regret but I can't have a second ISA 😰. Uh well……