Cash ISAs: The Best Currently Available List

Rosa_Damascena

https://forums.moneysavingexpert.com/discussion/comment/82038257#Comment_82038257

"Sitting on a form" is unforgivable whene tech permits instant transfer (or in practice, transfer within a day). Old fashioned customer service should not be confused with efficiency! Paper is a big red flag.

epm-84

Even when it's electronic there's providers who claim they received the funds 2 working days after the old provider confirms they were sent. If it happens to be sent on Maundy Thursday then it's almost a full week between it being 'sent' and 'received'.

As I've mentioned previously Tembo point you to their updated T&Cs which say you won't hold us liable for losses if your ISA transfer is delayed.

SnowMan

https://forums.moneysavingexpert.com/discussion/comment/82038629#Comment_82038629

Don't want to name the building society but they have now accepted that they committed both in a recorded phone call and in writing to pay the interest from when the transfer was processed and paid and not from when it was received, and they accept it was processed on the 2nd April. They have also paid me a small goodwill payment.

GetRichOrDieSaving

Bank of England base rate held at 3.75%.

Rosa_Damascena

https://forums.moneysavingexpert.com/discussion/comment/82039759#Comment_82039759

We will be seeing the impact of Iran for at least the next year. I would be surprised if the BoE could resist raising the base rate after the summer.

Angelica123

Just got my notification from Kent reliance re my fixed ISAs moving to new platforms (and therefore losing the ability to add further deposits to fixed terms). I know it was always a generous perk to have but can't help feel a bit annoyed as I'd opened some fixed ISAs with KR specifically because of the additional deposit perk.

gwapenut

https://forums.moneysavingexpert.com/discussion/comment/82041464#Comment_82041464

I'd have thought if they are changing the product terms and conditions, you might be entitled to exit the fix early free of penalty. Might be if interest as fixed rates have risen recently

Growingold

https://forums.moneysavingexpert.com/discussion/comment/82041709#Comment_82041709

You would think so but they make no mention of it unlike other building societies when they make detrimental changes.

Rosa_Damascena

My gripe about KR is different - they rely on inertia through paper instructions and then wait until the last possible minute before releasing funds.

tasty_snacks

I don't suppose anyone is able to offer any feedback on which easy access ISAs offer instant (or at least same day) withdrawals?

I had been using CHIP which was excellent for this. The enforced switch to the new ISA product however has also changed the withdrawal process it seems, and this now occurs by the next working day.

I seem to remember Trading212 being pretty quick (same day if not instant) - any anecdotal feedback on that platform?

Thanks