Cash ISAs: The Best Currently Available List

rallycurve

cricidmuslibale said:

alternate said:

I think this might have been mentioned earlier when they put of all their new rates but I just got the email

re : Coventry BS

Good news - we’re increasing the interest rate on your Limited Access ISA (Online) (3) again

New rates from 1 December 2022	Annual	Monthly
			.
£0.01 plus	2.85%		2.81%

Thank you! I’m disappointed that Coventry BS aren’t willing to match the B of E base rate increase of 0.75% and thus reach a new annual interest rate of 3.0% that matches the current base rate tbh. I don’t think this Limited Access ISA will be particularly competitive now, especially with Virgin Money already paying 3.0% on their flexible exclusive easy access Cash ISA, which will better suit quite a lot of both current and potential ISA savers imho.

ETA: I’m fully aware that this Limited Access ISA is currently off sale btw.

Well, that 2.85% makes it the second best easy/limited access ISA at the moment only after Virgin so I don't think there are reasons to be disappointed with them

alternate

The rate is okay, not sure if it will still be competitive when they apply it in a months time though.

subjecttocontract

Looks like Secure Trust Bank have withdrawn their 1 year fixed isa 3.9%. 

refluxer

subjecttocontract said:

Looks like Secure Trust Bank have withdrawn their 1 year fixed isa 3.9%. 

This has been happening with the top (non-ISA) fixed rate accounts too, recently (eg, 1 and 2-year bonds from Vanquis)

I'm thinking people are getting spooked and jumping on the top rate (causing it to become fully subscribed) rather than it being a sign that providers might start reducing their rates ?

Saying that, Kent Reliance have just dropped the rate on their one-year Fixed Rate ISA down from 3.85% to (a bewildering) 2.20% I even tried refreshing the page, thinking I maybe hadn't visited it since June !

isasmurf

t1redmonkey said:

4.75% 5 Year ISA from West Brom BS, can be opened online: https://www.westbrom.co.uk/savings/online/websave-5-year-isa-4-november-2022

Now no longer available 

intalex

isasmurf said:

t1redmonkey said:

4.75% 5 Year ISA from West Brom BS, can be opened online: https://www.westbrom.co.uk/savings/online/websave-5-year-isa-4-november-2022

Now no longer available 

Damn, spent the day chasing to get a pending ISA transfer completed so I could include it as a transfer during the opening of this one... too late now... will there be another??

cricidmuslibale

rallycurve said:

cricidmuslibale said:

alternate said:

I think this might have been mentioned earlier when they put of all their new rates but I just got the email

re : Coventry BS

Good news - we’re increasing the interest rate on your Limited Access ISA (Online) (3) again

New rates from 1 December 2022	Annual	Monthly
			.
£0.01 plus	2.85%		2.81%

Thank you! I’m disappointed that Coventry BS aren’t willing to match the B of E base rate increase of 0.75% and thus reach a new annual interest rate of 3.0% that matches the current base rate tbh. I don’t think this Limited Access ISA will be particularly competitive now, especially with Virgin Money already paying 3.0% on their flexible exclusive easy access Cash ISA, which will better suit quite a lot of both current and potential ISA savers imho.

ETA: I’m fully aware that this Limited Access ISA is currently off sale btw.

Well, that 2.85% makes it the second best easy/limited access ISA at the moment only after Virgin so I don't think there are reasons to be disappointed with them

alternate said:

The rate is okay, not sure if it will still be competitive when they apply it in a months time though.

At the moment the Coventry Limited Access ISA (online) interest rate for all issue numbers is only 2.25% annual, 2.23% monthly so in fact it is not currently the second best limited / easy access ISA after Virgin; the Ecology Building Society cash ISA paying 2.70% annual interest is. Also, easy / limited access ISAs by Marcus, Saga and Paragon are all currently paying more in interest than Coventry is.

By December 1, when the Coventry Limited Access ISA starts to pay 2.85% AER rather than 2.25% AER, I will be very surprised indeed if it is by then the second best easy / limited access ISA but only time will tell!

cricidmuslibale

intalex said:

isasmurf said:

t1redmonkey said:

4.75% 5 Year ISA from West Brom BS, can be opened online: https://www.westbrom.co.uk/savings/online/websave-5-year-isa-4-november-2022

Now no longer available 

Damn, spent the day chasing to get a pending ISA transfer completed so I could include it as a transfer during the opening of this one... too late now... will there be another??

I really do hope so! My goodness, it can only have been on sale for 2 days or so!

alternate

With these small building societies it is hard to know just how much money they are trying to bring in.  A lot will have small deposit targets and when that is coupled with high demand and a decent rate, they tend to disappear fast.

t1redmonkey

cricidmuslibale said:

intalex said:

isasmurf said:

t1redmonkey said:

4.75% 5 Year ISA from West Brom BS, can be opened online: https://www.westbrom.co.uk/savings/online/websave-5-year-isa-4-november-2022

Now no longer available 

Damn, spent the day chasing to get a pending ISA transfer completed so I could include it as a transfer during the opening of this one... too late now... will there be another??

I really do hope so! My goodness, it can only have been on sale for 2 days or so!

Yes only appeared on Moneyfacts yesterday morning I think!