Cash ISAs: The Best Currently Available List

gwapenut

The Stafford can be a bit old fashioned, but tend to behave quite honourably, maintaining interest rates for longer than societies like the Chorley and certainly longer than saffron.

The trouble is with the state of the postal system these days, paper transfers put me off. Saffron required forms for transfers, but they could be emailed and transfers were electronic

Alicon88

https://forums.moneysavingexpert.com/discussion/comment/82055811#Comment_82055811

Yes, it started on 2/07 2025 and now it has come to an end unfortunately

Emily_Joy

Are there any cashback offers on ISA transfers at the moment or the bonanza is over?

friolento

there's one from Sidekick but it's very unattractive.

harz99

https://forums.moneysavingexpert.com/discussion/comment/82059809#Comment_82059809

Probably have to wait until the winter now, October onwards maybe for Cash Isa's.

Canny_mal

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

How did you hear that the rate is dropping, did you get an email? I've got the 4.50% Saffron ISA and I haven't heard anything about a rate change. Just logged in and it's still showing 4.50%. On what date is the rate dropping from?

gwapenut

https://forums.moneysavingexpert.com/discussion/comment/82060003#Comment_82060003

Yes, an email on 30th June.

Dear Lord Gwapenut

Your savings interest rate is changing

We're writing to let you know that the interest rate on your Online ISA (Issue 3) account will be reducing from 15 July 2026. Details of the change can be found below:

Product Name	Current Rate (Gross pa./AER)	New Rate (Gross pa./AER)	Variance
Online ISA (Issue 3)	4.50%	4.35%	-0.15%

dave_dph

I also received the email on the 30th. Trying to decide whether to move some of my instant access ISA's to fixed.

Canny_mal

https://forums.moneysavingexpert.com/discussion/comment/82060017#Comment_82060017

Thanks. I can only assume for me the email must have gone into my junk folder which I've subsequently emptied. I'm glad I looked on here as otherwise I'd still be completely oblivious to the impending rate drop.

I agree it's pathetic that Saffron have taken the decision to lower the rate so soon, particularly with no BOE base rate movement and all the issues people have had transferring in. Mind you, they're not as bad as Hargreaves Lansdown. They launched a variable Cash ISA paying 4.30% in Feburary but have since lowered that rate not once, not twice but 3 times in 3 months. It went down to 4.01% on 19th May then 3.73% on 16th June and now it's going down again to 3.45% on 16th July.

I wouldn't care but at the time I was debating between the Hargreaves Lansdown one and Atom's Cash ISA which was paying 4.25%. I opted for HL and guess what, at the time of writing Aton's rate remains unchanged at 4.25%. You win some, you loose some!

clairec666

https://forums.moneysavingexpert.com/discussion/comment/82060156#Comment_82060156

I didn't get an email either... but I only have £1 in the account.

I know the rate cut is frustrating, but there are far worse culprits out there.