Cash ISAs: The Best Currently Available List

razord

Yellowman said:

gwapenut said:

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.

Where can I find confirmation of the date of this Skipton cash ISA rate change in a fortnight?

On it's product page here: https://www.skipton.co.uk/savings/isas "Tracks 0.9% under BoE base rate"

kaMelo

razord said:

karlie88 said:

Vanguard are paying circa. 3.6% on their cash ISAs as of today. 

As far as I'm aware, Vanguard don't offer a Cash ISA, only a S&S ISA?

That is correct, however you also have a cash account for money in the S&S ISA that you have yet to invest or from investments that you have sold.

This cash is what is generating the interest that @karlie88 is talking about.

razord

kaMelo said:

razord said:

karlie88 said:

Vanguard are paying circa. 3.6% on their cash ISAs as of today. 

As far as I'm aware, Vanguard don't offer a Cash ISA, only a S&S ISA?

That is correct, however you also have a cash account for money in the S&S ISA that you have yet to invest or from investments that you have sold.

This cash is what is generating the interest that @karlie88 is talking about.

Yeh, I understand that; just wanted to be clear it's an S&S ISA, as that could be problematic if someone opens it thinking it's cash if they only use it as cash!

Yellowman

razord said:

kaMelo said:

razord said:

karlie88 said:

Vanguard are paying circa. 3.6% on their cash ISAs as of today. 

As far as I'm aware, Vanguard don't offer a Cash ISA, only a S&S ISA?

That is correct, however you also have a cash account for money in the S&S ISA that you have yet to invest or from investments that you have sold.

This cash is what is generating the interest that @karlie88 is talking about.

Yeh, I understand that; just wanted to be clear it's an S&S ISA, as that could be problematic if someone opens it thinking it's cash if they only use it as cash!

This is similar to the Moneybox S&S ISA where one can deposit funds as 'available cash' without investing and earn interest only on these funds.

Yellowman

razord said:

Yellowman said:

gwapenut said:

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.

Where can I find confirmation of the date of this Skipton cash ISA rate change in a fortnight?

On it's product page here: https://www.skipton.co.uk/savings/isas "Tracks 0.9% under BoE base rate"

I see it now:

'If the Bank of England Base Rate changes, the new interest rate on your account will apply without notice, no more than 14 days after the change is effective.'

razord

Yellowman said:

razord said:

kaMelo said:

razord said:

karlie88 said:

Vanguard are paying circa. 3.6% on their cash ISAs as of today. 

As far as I'm aware, Vanguard don't offer a Cash ISA, only a S&S ISA?

That is correct, however you also have a cash account for money in the S&S ISA that you have yet to invest or from investments that you have sold.

This cash is what is generating the interest that @karlie88 is talking about.

Yeh, I understand that; just wanted to be clear it's an S&S ISA, as that could be problematic if someone opens it thinking it's cash if they only use it as cash!

This is similar to the Moneybox S&S ISA where one can deposit funds as 'available cash' without investing and earn interest only on these funds.

Yeh exactly. I've already paid into a S&S ISA this year, and can't transfer or I'll lose a bonus payment, so have to wait until April!

bristolleedsfan

kaMelo said:

I've been a member for a good few years now and I've never experienced mistakes like that, always on the slow side but when they got around to doing something it was done correctly. When I first opened accounts signatures were required in branch, even their regular saver required a branch visit to open but they have moved on somewhat with many accounts no longer requiring that.  They offer secure email as a method of communication for important documents.so it makes no sense for them not to utilise it with someone like yourself who is willing to use it.

Overall reading your experience is quite disappointing to read if I'm being honest and upon reflection opening my account was a breeze in comparison.

At least it's now open and you've got a market leading rate for the next five and a bit years as, unlike the one and two year accounts which mature in November after one and two years respectively, the five year ISA matures at the end of March 2028, five years and three months later.

Cumberland 5 year ISA account opening experience complaint

A few weeks ago i received reply part upholding C.S complaint and £25 goodwill offer so monetary wise I achieved my ,,,,,,,

Still no passbook so I emailed complaints email address pointing out now 3rd time I have mentioned this to them, after 10 days no reply, I emailed again asking if bearing in mind now 4th time mentioned it to them do I need to lodge new complaint  to receive passbook.

Immediate reply saying will arrange for passbook to be sent out.

Tuesday I received 2 passbook, 1 of which was from person who opened account with covering letter thanks for opening account etc etc,  account was opened and funded 3 December ....

Sit back and enjoy 5.05% for next 5 years + 

razord

Skipton pulled the 0.9% below base rate issue today. It's now issue 4, which tracks at 1.25% below the base rate.

Aidanmc

Shawbrook Easy Access ISA Issue 23 now 2.91%

https://www.shawbrook.co.uk/direct/savings/personal-savings/cash-isas/easy-access-cash-isa/

TiVo_Lad

Newcastle Building Society Triple Access ISA at 3.05%

https://www.newcastle.co.uk/savings/cash-isas/newcastle-triple-access-isa-issue-4