Cash ISAs: The Best Currently Available List

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81981790#Comment_81981790

Yes (if that's your only ISA subscriptions so far this year).

friolento

https://forums.moneysavingexpert.com/discussion/comment/81981790#Comment_81981790

yes you can contribute to any number of ISAs in the same tax year so long as you do not exceed your total £20k annual ISA limit. You have to keep records yourself as none of the ISA providers know whether and where you have made other contributions, so their "remaining ISA contribution amount" is invaraibly incorrect.

Note that if you are under 65, there will be changes to the deposit limits from 2027-28 onwards. Please inform yourself accordingly.

Nick_C

https://forums.moneysavingexpert.com/discussion/comment/81981790#Comment_81981790

Fixed rate ISAs can also be flexible!

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81982174#Comment_81982174

Yes, but not many let you withdraw without a penalty. Barclays allows 1 withdrawal up to 10% of your balance, over the fixed term, 3 if premier account. There may well be others, but beyond my limited knowledge.

Must admit when I think about a flexible account, I think of being able to take out money without a penalty, subject to the t's and c's of the ISA, and put it back in within the current tax year. In reality, flexible means that you can return money (within your ISA limits) to the account, even if it is a fixed account, where you may have to pay a penalty to withdraw. I must get my terminology right and think more along the lines of flexible easy access.

oliveoyl

Is it not possible to do transfer from Trading212 to Santander online? I can't see any option apart from print off and post (I did try to search for answer on here as sure it will have been asked, but couldn't find)

masonic

https://forums.moneysavingexpert.com/discussion/comment/81982227#Comment_81982227

The benefit of a fixed ISA being flexible is if you pay the interest away you can make replacement subscriptions later in the tax year. It is rarely a good idea to make a manual withdrawal from such an account.

dlevene

Is it me, but is the market for easy access ISAs that don't come with loads of strings, actually pretty weak right now?

I personally actually don't mind a cap on the number of withdrawals or even QMMFs, but between various new money only offers, T212's new customers only, Plum's myriad caveats... feel like I don't have many good options.

Bit annoyed I didn't go for Monument when they had their boosted rate and referral offer.

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81985081#Comment_81985081

Thank you for that information, appreciate it. I hadn't really thought too much about it. I always have just chosen to get interest paid into the ISA when fixed, doubt very much that I've ever had a fixed flexible ISA. In the past 2-3 years, I've taken out a flexible easy access (sometimes with withdrawal limits) in the new tax year, and transferred the previous year flexible EA to a fixed, assuming the fixed rate is better, which it has been so far.

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81985115#Comment_81985115

Rates certainly have gone down since beginning of April. You really have to be quick off the mark at times, it's hard to judge when something is going to be pulled, and you've no idea if something better is going to come along. It's getting harder to get a really good rate if you've been a previous customer/still a customer. I automatically discount Plum, as too many quirks that I may forget about over the course of time.
If you want flexible with no strings Vida at 4.16% seems to be best bet, although Principality has slightly better rate at 4.20%, 5 withdrawals, but with 12 month 1.90% bonus included. I actually don't think either of those rates have gone down since April. Just know that Vanquis triple access which I went for at 4.3% has gone down to 4.08%, I'm still getting 4.3%, at the moment anyway, but who knows when it will drop.

daveoc22

https://forums.moneysavingexpert.com/discussion/comment/81984683#Comment_81984683

I'm in the same boat. Couldn't find an online way so downloaded and sent off the paper transfer form—-haven't heard anything, sent just over a week ago. Don't like this way as there seems to be no way of tracking if either side have received the request.