Cash ISAs: The Best Currently Available List

Kazza242

Hello everyone.  There have been quite a number of changes to ISA rates during the last week.

The first post has been updated.

Stompa

25_Years_On said:

I see Cynergy have gone up again to 2.85% less than two weeks after the increase to 2.65%. Which seems a bit crazy but they have form. That will be my 9th Cynergy ISA since rates started to increase.

Only 9th, it's my 10th! I do hate having to go through this palaver every time though. It doesn't seem to be working very efficiently this time. I've got the 'Your account is now open and working' email, except it isn't, there being no sign of it online thus far.

alibean121

Skipton Building Society have launched an easy access flexible ISA that tracks 0.9% below BOE base rate for 24 months

https://www.skipton.co.uk/savings/isas/cash-isa-tracker

While not currently top and it's a bit disappointing the gap to base rate is so big, could be an option worth bearing in mind for anyone who doesn't like having to monitor and transfer their accounts.

flobbalobbalob

alibean121 said:

Skipton Building Society have launched an easy access flexible ISA that tracks 0.9% below BOE base rate for 24 months

Also it's good to see an ISA with the same interest rate side by side with their easy access option. Marcus is another one but they seem rare.

razord

Marcus has re-enabled the 0.25% bonus today, meaning it's ISA rate is now 2.5%.

I know there is higher available, but for a interest-paid-monthly with near instant (20 minutes ish) withdrawals, I think that makes it worthwhile for some!

Imvrasos

I recall Marcus' ISA is inflexible therefore it is not a product I see associated with frequent withdrawals.

Aidanmc

Anyone reckon a 4.5% 1 year fix is on the cards soon given todays BoE interest rate rise?

refluxer

Aidanmc said:

Anyone reckon a 4.5% 1 year fix is on the cards soon given todays BoE interest rate rise?

Easy access rates might get a small boost, but fixes seem to be heading downwards due to lower-than-expected longer term rate forecasts.

Nevergonnaretire

Aidanmc said:

Anyone reckon a 4.5% 1 year fix is on the cards soon given todays BoE interest rate rise?

Was hoping for the same myself, but I've booked an appointment at Barclays to open either their 1 or 2 year fixed ISA anyway. Earliest appointment was March the 1st!

Hopefully something better will come up before then but if not that'll have to do...

gwapenut

alibean121 said:

Skipton Building Society have launched an easy access flexible ISA that tracks 0.9% below BOE base rate for 24 months

https://www.skipton.co.uk/savings/isas/cash-isa-tracker

While not currently top and it's a bit disappointing the gap to base rate is so big, could be an option worth bearing in mind for anyone who doesn't like having to monitor and transfer their accounts.

As this will be 3.1% in a fortnight, and most if not all providers' rates will show less than a 0.5% increase, this looks quite attractive.