Cash ISAs: The Best Currently Available List

refluxer

https://forums.moneysavingexpert.com/discussion/comment/81978625#Comment_81978625

I transferred into a Santander ISA at the end of last week and have exactly the same issue - the transfer shows as a deposit but the 'available balance' says £0.00 in the app.

Logging in to online banking on a browser, however, shows the correct available balance so I'm presuming it's just a quirk with the app and should correct itself at some point.

lubylwu

https://forums.moneysavingexpert.com/discussion/comment/81978632#Comment_81978632

The same happened to me, but after 7 days the balance was showing OK on the app - must be an app issue.

GalacticaActual

https://forums.moneysavingexpert.com/discussion/comment/81978636#Comment_81978636

Thanks for confirming.

ISA transfer completed last Thursday from Virgin Money to Santander but a nil balance was showing on the app and online banking until I tapped/clicked and it showed the transferred amount.

This morning, online banking is showing the correct balance but their app still shows 0.

Hopefully that will change midweek. 🤞

friolento

https://forums.moneysavingexpert.com/discussion/comment/81978625#Comment_81978625

I have exactly the same issue - balance showing as £0.00 in the app. The completed transaction does show, and they confirmed by letter that the transfer has been completed. In online banking, the correct balance does show.

I spent ages on Sandi, was advised to re-install the app (made no diff), then was asked to call their Digital team but the number they gave me just got me to the normal CS, who explained (!) that it was normal (!) that the balance did not show for several days

Not very impressed

Ocelot

I'm still waiting for my online banking details for Santander, but the Paragon account was closed a week ago.

oddcueball52

I can see Skipton has 18 month FR Cash ISA (Issue 302.5) at 4.55% AER.

18 Month Fixed Rate Cash ISA

Vanquis Triple Access Cash ISA (issue 5) has been replaced with Issue 6 with 4.08% AER.

p1ston

https://forums.moneysavingexpert.com/discussion/comment/81978821#Comment_81978821

Interesting. My hsbc 4.5 fixed plus the 250 cashback gives me 4.8% aer, so I'm not hyperventilating yet

OrangeBlueGreen

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

https://forums.moneysavingexpert.com/discussion/comment/81978485#Comment_81978485

I know they backdate the interest but that's still a hell of a long time to process it. I'm sure they're not sitting on things but they just don't have the capacity to cope if it takes 3 weeks to credit a payment. It's 2026, not 1995. It doesn't bode well from when we will want to transfer out one day. I'm only sticking with them because their rate is so far above anything else I can get.

refluxer

Barclays have recently refreshed their line of flexible fixed rate cash ISAs :

https://www.barclays.co.uk/savings/isas

These may be of interest to some because Barclays are one of the few ISA providers who allow you to contribute new subscriptions up to your ISA allowance each tax year throughout the duration of the fixed rate period, plus they are also unique in allowing either 1 (Single access) or 3 (Triple access) penalty-free withdrawals during the term (of up to 10% of the balance each time), which can be flexibly replaced.

There is also currently a reward (£50+) for transferring in balances of >£10k from another ISA provider, if you hold a Barclays current account (offer ends on 30th April).

Available to all :

Single Access 1-Year Flexible Cash ISA - 4.36%

Single Access 2-Year Flexible Cash ISA - 4.36%

For Premier Banking customers :

Premier Triple Access 1-Year Flexible Cash ISA - 4.51%

Premier Triple Access 2-Year Flexible Cash ISA - 4.51%

Premier Triple Access 3-Year Flexible Cash ISA - 4.00%

Note that you'll need a Barclays current account in order to apply online (as it's via online banking) however it looks like it's possible to open a Single Access account without by booking an in-branch appointment (you'll need a Premier Current account to open a Triple Access account)

Sandyra

https://forums.moneysavingexpert.com/discussion/comment/81979304#Comment_81979304

I just transferred my existing ISA from Vida yesterday the only to see it this in the app. Called up, cancelled transfer and initiated new transfer with new rate and still in time for £600 cashback.