Cash ISAs: The Best Currently Available List

2010

Coventry Isa fixed until 30/9/27 4.6%.

OrangeBlueGreen

+1 at being disappointed with Saffron. As others have said there has been no change in BOE rate and it has felt like a waste of time with their delays, just 3 months of the rate is poor. This was my second chance with Saffron, won't consider them again and bait-and-reduce sums it up well.

https://forums.moneysavingexpert.com/discussion/comment/82052738#Comment_82052738

Wheres_My_Cashback

CHIP to Cynergy transfer.

Requested 0600 yesterday and completed by 1500 today.

Excellent service from them both and worthy of a mention .

pecunianonolet

Looking for an alternative to Chip due to their shady practises lately and rate reductions. The account is used as an easy access account to primarilly park funds short term until further distribution e.g. salary.

Looking at:

Option 1: Tesco Bank, easy access cash ISA, interest paid annually at 4.06% AER
Option 2: Tandem, easy access cash ISA, monthly interest at 4% AER

Already have an account with Tandem, although with zero balance since ages so app and everything already setup. Withdrawals usually quick, 20-30 min (not as convinently instant as Chip). No experience with Tesco, is the app any good, how quick are withdrawals and pay in transactions, ist it 24/7? Not sure if tandem also works on non banking days e.g. weekends (not used them in ages so can't remember).

Chip account has some contributions from last year that require a transfer and some funds from this year. This year funds would just be withdrawn and paid in to the new account making use of the flexibility feature.

Experience with transfers? A 1 day turn around like above would obvioulsy amazing 😎

Reccomendations please.

flobbalobbalob

https://forums.moneysavingexpert.com/discussion/comment/82052757#Comment_82052757

Monument did the exact same, leading rate followed by slow transfer due to their incompetence. Slashed their rate within days of completing.

Emily_Joy

https://forums.moneysavingexpert.com/discussion/comment/82004577#Comment_82004577

Regarding Plum:

I eventually managed to transfer funds to Yorkshire Building Society, it took only a month and two paper forms. I chose them because I had an account with them and they had Plum on their list.

But my plan is to stay away from app-based providers going forward.

refluxer

https://forums.moneysavingexpert.com/discussion/comment/82053580#Comment_82053580

I don't have any Tesco savings accounts at the moment but have held both a Junior Cash ISA and Internet Saver account with them in the past and payments into both accounts used to be truly instant (deposits would be credited in less time than it took to open Tesco's banking app).

On that basis, I would be happy to open their easy access cash ISA if I needed one. You just need to keep an eye on the rate and bare in mind it plummets after the 12 month bonus expires.

Despite both of those being online accounts, Tesco did used to have a few old-fashioned quirks however, including the need to post them a form with a 'wet' signature.

It's worth noting that Tesco Bank have since been bought by Barclays, so I don't know whether this would have any impact on either of those aspects.

Alicon88

I am really sorry for the stupid question

I am currently using Moneybox for my ISA funds, and I have 70% in a stock and share ISa and the remaining 30% in cash ISA.

The cash ISA rate is going to drop from tomorrow and I was thinking to move the funds allocated in this, to another provider.

My silly questions are:

What's the best to switch to that allows transfer from other providers? Can I then top up to maximise my ISA allowance for the year or better to maximise first and then transfer!?

Looking at trade212 for example, the money transferred from other providers don't take advantage of the higher rate, is that correct?

thank you all for your help :)

gwapenut

https://forums.moneysavingexpert.com/discussion/comment/82055259#Comment_82055259

Out of interest, why is your rate dropping, are you at the end of your bonus period?

Are the 4.75% rates recently withdrawn still paying 4.75% for the foreseeable future for new customers who took out the deal?

SnowMan

Stafford Building Society cash ISA double access paying 4.36% AER variable.

Minimum balance £1,000.

Maximum two withdrawals per year (plus final transfer out), based on a 1st November to 31st October year, after which on the third withdrawal it moves to an account paying a lower interest rate currently 2.25% AER.

Accepts cash ISA transfers in. But they don't appear to be part of the automated electronic cash ISA transfer system and you have to use this paper form

Not flexible.

https://srbs.co.uk/savings-product/cash-ISA-double-access/