Cash ISAs: The Best Currently Available List

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?

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.