Cash ISAs: The Best Currently Available List

SickGroove

https://forums.moneysavingexpert.com/discussion/comment/81976681#Comment_81976681

Good to know Trading 212 can actually do electronic transfers, even though they don't appear on the official cash ISA electronic transfer list.

I've just joined them as a new customer, so will need to transfer out once the bonus rate drops in a years time.

I don't want the paper form faff if I can help it!

david72

I have just seen that Skipton has recently launched a Two Access Cash ISA Saver (Flexible ISA), paying 4.07% AER (annually, or 4.00% if paid monthly).

Although not the highest rate available, this may be of use if you prefer to go with a more trusted provider and is currently near the top of that list. Skipton are also one of the (sadly too few) providers who have implemented the multiple ISA account reforms, which can be very useful if you want to put your ISA contributions into different "pots" for different purposes.

Interestly, although Skipton are normally unable to process transactions between their accounts at the weekend, it seems that if you have an existing Skipton ISA that you want to transfer in via internal ISA transfer, in order to "upgrade" your interest rate, that process does happen immediately when you open the new account and initiate the transfer! 🙂

• Skipton Two Access Cash ISA Saver

mhoc

I've been Coventry building society online chat with some queries regarding specifically about having monthly interest. They seem to be telling me that the interest has to be paid to an eternal account - not added to the ISA pot. I am not sure if I was asking the right questions or if I get muddled but this does sound odd.

The Virgin double take ISA has the same interest rate but I need to ring them to see if the same happens with Virgin

Fixed Rate ISA (322) 30.09.2027

https://www.coventrybuildingsociety.co.uk/member/product/savings/cash_isa/fixed-rate-isa-322-30-09-2027.html

badger09

https://forums.moneysavingexpert.com/discussion/comment/81977068#Comment_81977068

That Coventry ISA is fixed rate. The Summary box clearly states that monthly interest must be paid into another account.

The Virgin Double Take E ISA is variable rate, so it could change. Monthly interest will be added to the account but you are limited to 2 withdrawals.

Do you need monthly interest?

Gambler

https://forums.moneysavingexpert.com/discussion/comment/81977100#Comment_81977100

Barclays fixed rate works the same so I just opted for annual instead.

mhoc

https://forums.moneysavingexpert.com/discussion/comment/81977100#Comment_81977100

Monthly interest is not essential as such.

Last tax year I got a Coventry 5 access ISA with monthly interest and this has been added to the account - quite satisfying seeing it increase each month. This tax year I have a Trading212 and again monthly interest.

Now I am trying to sort OHs ISA out. He cant have a Trading212 because of difficulties with his ID so I've been looking at what else there might be and Virgin seems to be the best option at the moment.

In May various savers are maturing so these will fund his ISA so a few weeks to make a decision yet.

SnowMan

https://forums.moneysavingexpert.com/discussion/comment/81940847#Comment_81940847

The Saffron Building Society Online ISA (issue 3) 4.5% AER now appears on their closed account list in their latest interest rate document from 22nd April (previous version was 26th March)

https://www.saffronbs.co.uk/sites/default/files/2026-04/VariableRateGuide22.04.2026.pdf

hgt

https://forums.moneysavingexpert.com/discussion/comment/81975975#Comment_81975975

Saffron BS

Just an update, received a message this morning to confirm the funds from my transfer from Skipton BS have been credited and the interest back dated. So took them from 9th April when they actually received the funds until today.

gwapenut

https://forums.moneysavingexpert.com/discussion/comment/81978479#Comment_81978479

Thank you for the update. That's a long time without access to our visibility of your money!

andyhicks88

Anybody with experience transferring to Santander?

So I trandfered 2 lots of 10k into 2 different fixed rate accounts, 1 is still being processed but I had notification yesterday that my transfer from Atom to Santander had been complete. I can see the transferred amount reflected into the transactions on the account, so it's been added and in there but the actual balance says 0? I spoke to some unhelpful person on chat this morning who said that it's still down as pending? But the transfer has been completed and confirmed by themselves? So I'm just confused and don't know if this is normal or happened to anyone else?