Cash ISAs: The Best Currently Available List

CeliaSeas

I'm also considering Charter for their one-year fixed rate, unless something better appears in the next week or so …

Bobblehat

https://forums.moneysavingexpert.com/discussion/comment/81996935#Comment_81996935

I've just opened Charter's 4.54% 1 year Fixed ISA as a maturity option for last year's Charter 1 year Fixed ISA (maturing 21/05). It was not listed in Charter's maturity options, but they do point out that other products may be available at a better rate and you are free to choose your own option with any of their products, or elsewhere.

The reason I mention this is, although I have opted for the 4.54% ISA now, if another better one comes along up to two days before maturity date, I can repeat the process of opening the new one and nominate it instead of the 4.54% one. This way, I have secured a maturity option of at least 4.54% with little effort 😀

CeliaSeas

@Bobblehat, thank you for sharing tactics re Charter😄👍

ToastLady

https://savings.investec.com/fixed-rate-cash-isa

Just had an email in from Investec, 1 yr fixed ISA at 4.56%

Blackbriar_040

Already on Moneyfacts site, looked promising, but doesn't accept cash transfers!

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/81997106#Comment_81997106

Thanks, didn't go through all the blurb with the Investec ISA as I'm sorted until next fixed ISA matures in August.

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/81997106#Comment_81997106

Exactly - Some great deals, but it's the restrictions within the T&C's that often make a few unattractive for those who wish to transfer. Swings and roundabouts 🙄.

Having said that, it's always beneficial to look at any maturity options from a current provider, as sometimes higher interest rates are offered to those who already hold investments with that organisation or a present rate can be reserved, even if you have a change of mind within 24-48 hours before maturity and transfer elsewhere because of a higher interest rate.

In addition, if you take out a fixed rate cash ISA with a funding window / 14-21 day cooling off period; per the T&C's, if the provider offers a new issue at a higher interest rate, you have the right to contact your provider and ask them to upgrade / transfer your ISA into the new higher rate, along with any interest - I've done this a couple of times 😉.

dlevene

Money facts should really allow you to filter out those that don't allow transfers

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.