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Cash ISAs: The Best Currently Available List
Comments
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Just a heads up to anyone looking to open this ISA had it from head office that the rate is changing to 1.5% on the 1st of Feb 2014 just the same as the Flexclusive 1 account. Info obtained when I complained that they were not treating their loyal savers fairly!0
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Just a heads up to anyone looking to open this ISA had it from head office that the rate is changing to 1.5% on the 1st of Feb 2014 just the same as the Flexclusive 1 account. Info obtained when I complained that they were not treating their loyal savers fairly!
Announced some time agosee post 1339 onwards
https://forums.moneysavingexpert.com/discussion/38867530 -
Announced some time ago
see post 1339 onwards
https://forums.moneysavingexpert.com/discussion/3886753
Post 1339?
I think njp6 might be talking about the currently available (to new subscribers) issue of the Flexclusive ISA, which wasn't available last April so a rate cut for it couldn't have been discussed back then.0 -
Archi_Bald wrote: »Post 1339?
I think njp6 might be talking about the currently available (to new subscribers) issue of the Flexclusive ISA, which wasn't available last April so a rate cut for it couldn't have been discussed back then.
My bad
Haven't been around for a while so guilty of some 'skim reading' in haste to catch up - sorry.0 -
- Virgin Money Easy Access Cash E-ISA (issue 5) - 1.75% :starmod: NEW :starmod:
Rate guarantee? No. Rate effective from: 27/06/2013.
Minimum deposit: £1. Operated via: Internet. - Virgin Money Easy Access Cash ISA (issue 5) - 1.75% :starmod: NEW :starmod:
Rate guarantee? No. Rate effective from: 27/06/2013.
Minimum deposit: £1. Operated via: Branch or Post.
Both no longer available. They've moved on to issue 6 at 1.61% AER.
The issue 5 is still paying 1.75% AER to existing customers.0 - Virgin Money Easy Access Cash E-ISA (issue 5) - 1.75% :starmod: NEW :starmod:
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Post Office Premier Cash ISA 1.80%, according to their website, says it's not currently available.0
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Based on historical accounts, is there any chance of the Issue 1 Flexclusive ISA's interest rate ever going up again? Basically trying to work out if it's worth transferring my balance to Virgin Money. I'd probably lose about a week of interest during the switch for only 0.25% more.0
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You won't be losing any interest because you ask for an ISA transfer. Your old provider pays interest until the day your money leaves the account with them, and the new one pays interest from the next day onwards.
Btw, I might not remember correctly but I think I have seen Virgin are about to cut their rates? EDIT: yes, just a couple of posts down (or up, depending on your forum settings)....................0 -
You won't be losing any interest because you ask for an ISA transfer. Your old provider pays interest until the day your money leaves the account with them, and the new one pays interest from the next day onwards.
Btw, I might not remember correctly but I think I have seen Virgin are about to cut their rates?
Virgin Money's new ISAs have a lower rate but I opened one at 1.75% and that hasn't been dropped.0 -
I thought transfers were still done between providers by cheque
They certify in the paperwork the day interest was stopped been paid, then the new provider backdates it.
See https://www.bba.org.uk/download/6330Your new provider will credit funds to your ISA account and backdate interest (4)
4) Your new provider will backdate interest to the first day where interest no longer accrues on the funds being transferred from your old ISA. In addition, your new provider will start paying the new interest rate from day 16 at the latest regardless of whether the transfer has completed within the standard 15 business day timeline (pended cases excepted)0
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