Cash ISAs: The Best Currently Available List

Descrabled

Ford Money has a flexible ISA at 4.21%. I have used this ISA in previous years exactly as you describe

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/82186629#Comment_82186629

Kent Reliance at 4.24% https://onlineservices.kentreliance.co.uk/?productId=EAISAM0002 Says it's flexible in the part "Can I Withdraw Money".
If you haven't been with Monument before, you can get 4.34% as a new customer but need to put in £10000.
Marsden BS at 4.27%

OneUser1

The Skipton 15 month 4.96% Fixed Rate has been replaced by a 19 month 4.81%.

pecunianonolet

https://forums.moneysavingexpert.com/discussion/comment/82186629#Comment_82186629

Tesco is probably your best option just now and it is not only flexible it is also instant unlimited transfers in and out 24/7.

GoodDealSearcher

Thank you all for those suggestions on flexible ISAs. KR looks good. The last time I had KR it wasn't flexible. The good thing about Tesco is you can set up several different bank accounts as Nominated Accounts, so I might use that and KR.

SirHugo

https://forums.moneysavingexpert.com/discussion/comment/82186777#Comment_82186777

I've also been looking at the Tesco 4.2% ISA as I need Easy Access. I have two fixed rate ISAs maturing in Jan 2027 - will I be OK to transfer them into the Tesco ISA at that time?

Farway

https://forums.moneysavingexpert.com/discussion/comment/82186933#Comment_82186933

Unless some unforeseen changes, Yes.

I've transferred a Nationwide & a Coventry fixed rate into Tesco. Only thing to be aware of is Tesco require postal transfer form, you fill in a paper form & return to Tesco via Royal mail

I asked Tesco to send me the form [no printer] which they did, plus a prepaid return envelope

One form per ISA BTW, so two forms required

just takes a bit of forward planning, so given Christmas post I'd say start process early December

HHUK

I agree with everything @Farway says regarding the Tesco Cash ISA, having done the same myself. Would just add that it's not only the Christmas post one needs to beware of - it took about two weeks for the transfer authority forms I requested when opening the account to arrive. Thereafter everything has run very smoothly, with payments in and out happening pretty much instantly.

GoodDealSearcher

As TescoBank has been taken over by Barclays, I would hope they could start doing electronic ISA transfers fairly soon.

Johnny-Cage

https://forums.moneysavingexpert.com/discussion/comment/82186629#Comment_82186629

I use Monument for that purpose plus it’s got my previous years allowances’

Dump my wages in it and take it out as needed and anything left over is in a ISA building

Instant deposits and withdrawals to your named account