Cash ISAs: The Best Currently Available List

Aidanmc

intalex said:

Stargunner said:

intalex said:

Aidanmc said:

Barclays 1yr flexible ISA @ 4%

Virgin Exclusive 4.25%

Thanks @Aidanmc, neither an option for me at present, anyone know of others?

Why is Barclays not an option for you?

I think I'd need to get a current account then online banking then this account...

From what i read on the forum, some people have tried making appointment at Barclays branch to open the ISA without having a current account/previous customer there, but the dates available were going to be quite a wait.

Prob easier to open a current acc online and then ISA.

refluxer

intalex said:

Stargunner said:

intalex said:

Aidanmc said:

Barclays 1yr flexible ISA @ 4%

Virgin Exclusive 4.25%

Thanks @Aidanmc, neither an option for me at present, anyone know of others?

Why is Barclays not an option for you?

I think I'd need to get a current account then online banking then this account...

Yes, that seems to be the quickest way of getting the Barclays ISA as a new customer at the moment without having to wait weeks or even months for a branch appointment. One of the other benefits to going down this route would be their Rainy Day Saver which (at 5.12%) is the best home you can get for a £5k lump sum, although this does require you to join the Blue Rewards scheme and jump through a few hoops.

For anyone concerned that interest rates on fixed rate ISAs will drop further this year, the Barclays Flexible ISA is the only one I know of which would also guarantee a rate of 4% for next year's ISA allowance if you opened one now, although you'd obviously have to transfer or pay something into it now in order for it to still be open by April 6th.

Bridlington1

Gatehouse Easy Access Cash ISA now pays 2.9%.
Gatehouse 1Y fixed woodland cash ISA pays 3.8%
Gatehouse 18 month fixed woodland cash ISA pays 3.95%
Gatehouse 2 year fixed woodland cash ISA pays 4.1%

rallycurve

Shawbrook 1year fixed rate cash ISA pays 3.82% (up from 3.78%)

Stargunner

intalex said:

Stargunner said:

intalex said:

Aidanmc said:

Barclays 1yr flexible ISA @ 4%

Virgin Exclusive 4.25%

Thanks @Aidanmc, neither an option for me at present, anyone know of others?

Why is Barclays not an option for you?

I think I'd need to get a current account then online banking then this account...

intalex said:

Stargunner said:

intalex said:

Aidanmc said:

Barclays 1yr flexible ISA @ 4%

Virgin Exclusive 4.25%

Thanks @Aidanmc, neither an option for me at present, anyone know of others?

Why is Barclays not an option for you?

I think I'd need to get a current account then online banking then this account...

I had to do the same as I was a new customer. Opened a current account online in less than 30 mins, then opened the ISA from within the app. Was very easy to do and I just won’t bother using the current account. If you don’t have a First Direct account, you could then transfer the Barclays account to them for the £175 switch offer snd you would be able to open a first direct monthly saver that pays 7% interest

razord

Bath Building Society (Bath Residents, workers, or existing customers only) goes to 3.19% on 1st March - but no transfers and it's not flexible.

Hopefully we'll start to see others start to ramp up above 3% in the coming weeks.

MiserlyMartin

It seems that ISA's, that are already behind the curve, with providers taking advantage of the tax free status and offering even worse rates than instant access accounts. The situation is even worse now since Instant access accounts have not moved or only barely increased since the BoE rise to 4%. The 3% Virgin ISA is still seemingly near to the top rate even though the base rate has moved 1% since it launched and it seems set to stay at 3% forever. The fixed rate 4.1% is no good to anyone who would want access to the money. I think the only thing I can do with that account is to transfer it into YBS to get 3.25% but this is a closed issue.

MiserlyMartin

https://www.coventrybuildingsociety.co.uk/member/help/member-support/bank-of-england-base-rate.html Still no update from them. "Reviewing the market"

I can't understand why the media and people are not more vocal about this savings confiscation.  Savings at 3% -  RPI at 12% +

kaMelo

MiserlyMartin said:

https://www.coventrybuildingsociety.co.uk/member/help/member-support/bank-of-england-base-rate.html Still no update from them. "Reviewing the market"

I can't understand why the media and people are not more vocal about this savings confiscation.  Savings at 3% -  RPI at 12% +

Because millions of people have no idea what rate they are getting on any savings they hold and have no idea just damaging inflation is.

Consumerist

MiserlyMartin said:

 . . . I can't understand why the media and people are not more vocal about this savings confiscation.  Savings at 3% -  RPI at 12% +

If savings rates were at 10%, what rate do you think banks might charge for mortgages? It seems to me that the social consequences would be unthinkable.