Cash ISAs: The Best Currently Available List

happybagger

https://forums.moneysavingexpert.com/discussion/comment/82148448#Comment_82148448

I suppose £150 in the Plum 5% account via TCB with the £15 cashback would give an effective rate of 15% after 1 year

I note the terms that it must be held for the year. Still worth doing I guess

winkowinko

https://forums.moneysavingexpert.com/discussion/comment/82148941#Comment_82148941

I opened Plum (savings account) via TCB a few months back, and they paid out twice 😄

I can still open their 5% ISA even though I'm not really a 'new' customer. What puts me off most about the Plum ISA, however, is potentially forfeiting a month's interest if I transfer out, and I'll definitely want to transfer out after 12 months because their rate falls off a cliff.

winkowinko

https://forums.moneysavingexpert.com/discussion/comment/82148175#Comment_82148175

Hold fire with Zopa. Will be 4.87% tomorrow.

NewPieman

Just catching up - I have two FR ISA with VM and KR, opened in the first quarter of the year……now seeing the rates jump big style, am thinking whether to call both of them and say can I move to their newer product and "start again"……has anybody done this and do they charge the 60 day penalty, although based on Gemini maths I will be better off moving…….

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/82149099#Comment_82149099

https://www.moneysavingexpert.com/savings/isa-switch-calc/

Check Isa calculator to work out if you will be better off. I've never switched during the term of a fixed ISA, but am sure the penalty will be enforced.

savit4l8er

https://forums.moneysavingexpert.com/discussion/comment/82149099#Comment_82149099

I have switched before with VM during the term and was charged the penalty. I didi it after opening the new ISA by message. They checked that I was aware of the penalty before actioning the request.

I cannot see why they won't charge other than very goodwill, it's the terms of taking them out and any exceptions would be written in.

moi

https://forums.moneysavingexpert.com/discussion/comment/82148797#Comment_82148797

Re Shawbrook fix, transfer in within 14 days.

Just to say with absolute certainty, now. I messaged them with details. The other provider wasn't part of the electronic scheme, so they put a form to complete in my documents section. They accepted that completed form by email.