Cash ISAs: The Best Currently Available List

10_66

https://forums.moneysavingexpert.com/discussion/comment/82167405#Comment_82167405

Ah right, as you hadn't mentioned the term, I didn't realise you were looking at the 5 year one.

Slinky

https://forums.moneysavingexpert.com/discussion/comment/82167405#Comment_82167405

Do we know what the definition of a new customer is? I closed an ISA with them late October 2025

rallycurve

https://forums.moneysavingexpert.com/discussion/comment/82167583#Comment_82167583

Shawbrook

If you have an online login, it will not show you these "plus" accounts, only the lower paying options. Even if you don't have any account with them.

refluxer

https://forums.moneysavingexpert.com/discussion/comment/82167308#Comment_82167308

I think Shawbrook state that transfers have to be arranged at the time of application.

They are known for sitting on external transfers arranged in advance from their matured fixed rate ISAs for far longer than they should (sometimes weeks), so you'll have to hope that the same thing doesn't happen for internal transfers.

If your fixed rate ISA is maturing soon, one option is to avoid this possibility is to request a transfer into their easy access ISA (so your matured funds don't sit on a derisory rate for any length of time), then open the new account and request the transfer.

From memory I think internal transfers need to be arranged by secure message.

charlie12525

https://forums.moneysavingexpert.com/discussion/comment/82167308#Comment_82167308

My existing Shawbrook FRISA matures in a few days. I think they gave me maturity options a month before maturity. I opted to transfer to a Shawbrook 5 year FRISA.

bristolleedsfan

https://forums.moneysavingexpert.com/discussion/comment/82167673#Comment_82167673

I have Shawbrook 5 year fix balance £1100+ paying 4.26% with less than two years to go, was opened speculatively at the time re ability to add further funds during term, I also have 5 year 5.22% fix with them that come April will have 3 years to go to maturity.

Pondering about paying exit fee on 4.26% fix to guarantee minimum 5.25% for new funds April 27 tax year, obviously would prefer new 5 year fix to have as late start date as possible, opening now asking for internal ISA transfer in 90 days time if rates are lower by then would risk Shawbrook saying No.

Growingold

SHAWBROOK FR ISA'S

Transfers into Shawbrook FR ISA's I've found to be without hassle. Twice now I've requested from outside ISAs yet to mature asking Shawbrook to wait until the maturity date and they have heeded the instruction with confirmation from the sending bank that they are on hold. Once maturity date is reached the transfers have been quick.

winkowinko

Ecology double access 4.65% until 30th Nov 2027.

Doesn't allow transfers in though.

Angelica123

https://forums.moneysavingexpert.com/discussion/comment/82167840#Comment_82167840

Use MSE calculator to work out if it's worth ditching.

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

What is your penalty for existing? I suspect you will end up slightly worse off trying to move it (I switched my 4.05% 5 Year fix to the new 5.25% fix and it only just worked out as slightly better to switch over once you took into account penalty).

Hal17

Ford Money Flexible Cash ISA interest rate has changed from 3.99% to 4.21% today.