Cash ISAs: The Best Currently Available List

2010

https://forums.moneysavingexpert.com/discussion/comment/82117956#Comment_82117956

I see they've left their 4 access ISA at 4.25% for now.

saverkev

Progressive BS Online 1 Year Double Access Cash ISA (issue 4) - 4.60% 

Appears to be NLA

savit4l8er

@Brisfit re Coventry drop.

Thank you, that's just given me a nudge to open an Aldermore. I was a bit undecided with the few ~4.6%'ers about.

pecunianonolet

Progressive BS

I was about to make a transfer to Progressive BS but the form they provide is not editable and that means print, enter details, scan and send by email or by post.

I have taken their file and converted it into an editable form so you can enter your details, electronically sign and save a copy, which you can send by email to Progressive BS.

The forum doesn't allow PDF file uploads. You can download the editable file here.

Download and use at your own risk!

2010

Castle Trust 1yr ISA down to 4.55% from 4.7%.

SnowMan

https://forums.moneysavingexpert.com/discussion/comment/82117654#Comment_82117654

Thanks for posting that.

The flaw with this Beverley regular saver cash ISA is that the 2.1%pa bonus that is included is lost if a withdrawal is made before 31st March 2027.

The interest rate is variable and the markets are pricing in a 0.25% base rate increase before March and a further 0.25% increase before then is slightly more likely than not. Hence there is a possibility that base rate will be increased by at least 0.5% before the end of March and savings rates generally may increase by 0.5%pa. However Beverley may decide not to increase the variable rate on this account following base rate rises. If this happens a saver could have money trapped in this account, because 4.5% AER may no longer be a great rate but at the same time a transfer out to a better rate would result in the bonus being lost.

It's definitely an account to be avoided in my view for that reason.

Born2Save_3

https://forums.moneysavingexpert.com/discussion/comment/82118096#Comment_82118096

I called today and was told it went NLA about 5 days ago. On a plus note, if you have the account, I asked if any rate changes were forthcoming and was told that there are not.

HHUK

https://forums.moneysavingexpert.com/discussion/comment/82117654#Comment_82117654

Thanks. As I mentioned on the Regular Savings thread, this is an interesting account. One of the terms is:

Each month the account must receive one payment of £20-£2,000 to be eligible for the Conditional Bonus.

I wonder if that means only one payment per month is permitted, or whether it's possible to set up a standing order for the minimum £20, and then top up to a maximum of £2,000 in any given month by means of one or more additional payments. In the hope that is the case, I have gone ahead and opened one. The process was very straightforward for me as a newcomer to Beverley.

@Born2Save_3 Yes, regarding your edited comment on the other thread, it was the fact it's an ISA that meant the account was of interest to me.

Born2Save_3

https://forums.moneysavingexpert.com/discussion/comment/82118547#Comment_82118547

I have non-ISA RS with BevBS and their CS when called has been very good. But I do get the impression that they will be sticklers on the terms. Some BS have similar terms on RS but do not apply them or give you way more time to put things right.. Some people have commented that they don't like the BevBS online as it shows the rate without bonus. I don't know what having this ISA is like. I don't think I'll go for it as I managed to get a Progressive 4.6%A. Maybe something to consider and check on is if BevBS distinguish between a withdrawal and a transfer with regards keeping the bonus.

shirley999

@Kazza242

It appears Cynergy reduced their rates on 20th August to 4.05-4.10%.