Cash ISAs: The Best Currently Available List

10_66

The Coventry BS Easy Access ISA (Online) (2) (listed in post #1 under Variable Rate Cash NISAs that accept transfers in), doesn’t permit transfers in of previous years’ ISAs, only current year’s.

MumOf2

Kent Reliance 2-yr reduced to 1.65%.

MumOf2

lucky77

All fixed term rates are down. 5 year rate now 1.9%.

fishouttah2o

United Trust seems to have withdrawn their 5yr ISA, they only offer a 4yr and 7yr (2.35%).

SnowMan

New issue (issue 7) of Virgin Money Double Take e ISA now available with rate increased to 1.5%pa (was 1.47%pa on issue 6).

Same 2 withdrawals in calendar year restriction applies (see the account terms)

As usual you need to transfer in to get the rate if you are in an earlier Double Take issue but takes only a few minutes to do, and from my experience you get your accrued interest on the old issue added and paid across straight away to the new issue if you choose annual interest.

https://uk.virginmoney.com/savings/products/double_take_e_isa_issue_7

The new version of the Man Utd Double Take E-ISA is also paying 1.5%pa.

SnowMan

SnowMan wrote: »

New issue (issue 7) of Virgin Money Double Take e ISA now available with rate increased to 1.5%pa (was 1.47%pa on issue 6).

Same 2 withdrawals in calendar year restriction applies (see the account terms)

As usual you need to transfer in to get the rate if you are in an earlier Double Take issue but takes only a few minutes to do, and from my experience you get your accrued interest on the old issue added and paid across straight away to the new issue if you choose annual interest.

https://uk.virginmoney.com/savings/products/double_take_e_isa_issue_7

The new version of the Man Utd Double Take E-ISA is also paying 1.5%pa.

Issue 7 no longer available from 12th July 2019.

Now replaced by issue 8 of these ISAs paying a lower 1.43%pa AER

pinknsparkly

Moneybox Lifetime ISA is currently the top paying Lifetime Cash ISA at 1.4% and is missing from the list!

eskbanker

pinknsparkly wrote: »

Moneybox Lifetime ISA is currently the top paying Lifetime Cash ISA at 1.4% and is missing from the list!

It's a cash Lifetime ISA not a Lifetime Cash ISA!

In other words, in the context of the four types of ISA defined and recognised by HMRC, it falls within Lifetime ISAs rather than cash ISAs, and therefore shouldn't be on a list of cash ISAs, even though it is an ISA and funds are held in cash....

masonic

eskbanker wrote: »

It's a cash Lifetime ISA not a Lifetime Cash ISA!

In other words, in the context of the four types of ISA defined and recognised by HMRC, it falls within Lifetime ISAs rather than cash ISAs, and therefore shouldn't be on a list of cash ISAs, even though it is an ISA and funds are held in cash....

Should Skipton and Nottingham BS cash LISAs be removed from the existing list?

eskbanker

masonic wrote: »

Should Skipton and Nottingham BS cash LISAs be removed from the existing list?

Fair point - I hadn't actually viewed the whole of post #1 when posting that comment!

I'd still contend that none of these is a Cash ISA in the purist HMRC sense of the term, but can see the line of argument that if some cash LISAs are included then they all should be....