Cash ISAs: The Best Currently Available List

Yellowman

Bridlington1 said:

YBS have launched a loyalty six-access ISA at 4%. The ISA is flexible but can only be opened by those who have held a YBS account for at least the last 12 months.

Is this 'currently held' account any YBS account or specifically a YBS ISA?

lucky77

Per website:

To be eligible to open a Loyalty Six Access Saver e-ISA Issue 2 you must have had an open account (Savings or Mortgage) with Yorkshire Building Society as either a Main Holder, Other Holder or Trustee for at least the 12 consecutive months prior to applying and already be registered for online access.

Shedman

gt94sss2 said:

Bridlington1 said:

YBS have launched a loyalty six-access ISA at 4%. The ISA is flexible but can only be opened by those who have held a YBS account for at least the last 12 months.

And it has a lower interest rate of 3.5% if your balance exceeds £20,000

To be clear its 4% on any balance up to and incl £20,000 and then 3.5% on the excess over £20,000

 (which I think is what you meant but perhaps the way you put it could be interpreted by some as meaning that if the balance exceeded £20,000 then you would only get 3.5% on the whole sum)

Nick_C

Anyone planning to get the YBS ISA, don't leave it too long.

I've been a member of the Society for more than 15 years, but because I opened a new account and closed an old one on the same day less than a year ago, I can't apply on line and they are having to send me a form in the post.

AndyTh_2

Nick_C said:

Anyone planning to get the YBS ISA, don't leave it too long.

I've been a member of the Society for more than 15 years, but because I opened a new account and closed an old one on the same day less than a year ago, I can't apply on line and they are having to send me a form in the post.

I'm keeping my oldest internet saver open because of that. I renamed it to remind myself not to close it.

and it just turned 1 year that account 10 days ago, and my application for the loyalty ISA was ok

gwapenut

Yes, continuous membership is not enough for ybs computers. You must have an account that is at least a year old. Even if you've been a member for 20 years and have allowed a 1 month overlap when changing accounts, all that matters is the age of your oldest currently open account.

VNX

Slight increases in fixed rates recently 

refluxer

Principality have increased the rate of their Online ISA to 3.10%, which makes it the highest-paying easy access account (without restrictions) currently available.

It includes a 0.40% bonus for 12 months. Transfers in are accepted, it's flexible and interest is paid annually on 6th April.

Expotter

Cynergy Bank Online ISA (Issue 32) 3.15%. Easy access, transfers accepted, Min £1. NOT a Flexible ISA

https://www.cynergybank.co.uk/personal-savings/online-isa/online-isa/

2010

Shawbrook ea isa issue 23    3.17% from today

1yr fixed issue 69 drops to 3.98% from today

Both require a minimum of £1k

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