Cash ISAs: The Best Currently Available List

2010

https://forums.moneysavingexpert.com/discussion/comment/81988331#Comment_81988331

Anyone with a shortly maturing ISA.
From their t&c, you can open, say a one year fix, request a transfer in from an existing ISA with another provider.
As long as its all done within 30 days of opening te new account, they'll hold the transfer until maturity.
Have I got this correct?

winkowinko

Apologies if mentioned already somewhere, but Chip Smart ISA now paying 4.32% for new customers.

4.32% AER Smart Cash ISA | Chip

4.32% AER (variable tracker). Comprised of an underlying standard AER of 3.75% (which tracks the Bank of England base rate), plus a 0.57% AER boost applied for 12 months from the day you open the account

*** Unpaid interest is forfeited if account is closed or transferred out before your account anniversary ***

CuparLad

https://forums.moneysavingexpert.com/discussion/comment/81989456#Comment_81989456

The move towards ever more complicated terms to hold on to money in the face of a more competitive savings market is a worrying trend.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81989799#Comment_81989799

Even Chip's prize draw account rules are now close to unintelligible. Their marketing strategy does seem to be based on "front-loading" the proffer to gain new customers, returnees are not really encouraged.

Maybe the bosses' remuneration package has a high bonus for new signups?

winkowinko

I don't mind this one too much. The interest rate will remain competitive for the duration of 12 months, and you can still make withdrawals without it affecting the rate.

I do however prefer monthly interest, and it's paying less than my recently opened Moneybox ISA. So probably a no from me.

Catplan

YBS have launch fixed rate eISA at 4.55, fixed until end of July 31 you lose 365 days interest if you withdraw / close before 1st Aug 31, accepts transfers in. Might be of use to some.

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/81987051#Comment_81987051

Nationwide BS increased their interest rates for their fixed rate ISAs last night 06/04 for all durations.

1 year 4.5%, 2 year, 4.55%, 3 & 5 year 4.6%, respectively☝️🙌👍️.

Personally, I've recently had issues with Santander and didn't like the fact that you can only manage their ISAs via branch or telephone, even though their ISAs can be opened online / App, so Nationwide is a winner for me for simple ease, clarity, and an increased fixed interest rate. However, the only drawback for some is on opening of the Nationwide ISA with no additional desposits allowed once you close the deposit / transfer money page; which is only open once - The ISA then becomes locked. Nationwide do, however, clarify this point on more than one ocassion during any fixed rate ISA opening.

janusd

https://forums.moneysavingexpert.com/discussion/comment/81989965#Comment_81989965

also, for those near a branch or postbox, if you want monthly interest, YBS have equivalent ISA accounts available via that method - their online eISA versions have annual interest only.

friolento

https://forums.moneysavingexpert.com/discussion/comment/81990118#Comment_81990118

I have recently had easy access and fixed rate cash ISAs as well as an S&S ISA with Santander, and still have a fixed rate one, opened quite recently for a transfer-in bonus (which has been paid less than 2 weeks after completion of the transfer). I was able to make deposits and withdrawals, and even close some of them entirely with their app. I didn't need to phone or go into any Branch. What is it that you couldn't do online / in the app?

refluxer

https://forums.moneysavingexpert.com/discussion/comment/81990230#Comment_81990230

@Dizzycap may have missed my recent reply on this subject. You're right - Santander cash ISAs can actually be managed wholly online, with the possible exception of closing a fixed rate ISA early and withdrawing the cash to a non-ISA account (an intuitive guess as this is the only aspect of account management I've never needed to carry out).

https://forums.moneysavingexpert.com/discussion/comment/81987305#Comment_81987305