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.