Cash ISAs: The Best Currently Available List

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/81997664#Comment_81997664

@ dlevene There is a filter on Moneyfacts using the blue 'Full Search' button at the top right hand corner of the table on the webpage - It took me ages to find it, as it's so well hidden 🙄😕.

Rusty190

https://forums.moneysavingexpert.com/discussion/comment/81997664#Comment_81997664

I get round that by selecting a random amount over £20,000.00 in the "amount you want to invest box" given that the only way you can put in more than 20,000 is by transferring in.

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81997826#Comment_81997826

A good idea, however you can choose ISA Transfer in the full search on Moneyfacts as already mentioned.

TM74

So here's my take on it.

Ive got 20k with 212 thats reverted back to 3.6% after the generous introductory rate.

Most other isa's current rates for transfers hover around the 4% mark so not a whole lot of difference if i was to pull it and transfer it.

So im starting a new one with new money with plum that offers slightly better at 4.32%.

This way i still get an increase with both should the interest rate rise - and i think they will with the state of the political events in the UK.

Thoughts?

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/81998074#Comment_81998074

Have you thought about transfering your Trading212 @ 3.6% to your new Plum @ 4.32%? More tax-free £'s for your £40k lump sum 😉.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81998084#Comment_81998084

Funds transferred into (as opposed to new) only earn 4.0% at Plum.

TM74

https://forums.moneysavingexpert.com/discussion/comment/81998084#Comment_81998084

I did and thats why i thought migrating from 212 ( which i have other interests) for 0.4% wasn't worth it.

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/81998096#Comment_81998096

🙄 - Plum seem to always have some clause somewhere and they never seem to be positively pushed towards the previously used ISA allowance saver, only the new. However, they're by no means alone in this practice 😶.

As for experience of transfering out: Personally, both Chip & Plum were a nighmare, but Trading212 was smooth. Sometimes, it's better to remain with the devil you know - As is in this case, obviously, unless a much better deal worth your valuable time comes along.

2010

Just upgraded Charter EA ISA issue 69 to issue 76 @ 4.26%.

soulsaver

@TM74

There is ISAs on offer at >4.50% accepting transfers in… 1.0% extra in a 1yr is £200 better off on £20k..

4.70% 1 yr fix Al Rayan via Meteor

DYOR

(I've had accounts with Al Rayan for at least a decade..)