Cash ISAs: The Best Currently Available List

pookey

I've managed to open the Yorkshire 4% cash ISA today.

Now I need to transfer an existing ISA which is only at 2.5%. I want to keep the 2 sperate so a separate amount is needed and also I don't want it fixed. I've found the Santander variable at 3.2% can anyone recommend anything better please? 😊

Bridlington1

pookey said:

gabiieve said:

refluxer said:

gabiieve said:

Thank you. Do you know if their transfers are quick? I want this to be my main savings account

I've had a few Cash ISAs with the Principality. If you're talking about ISA to ISA transfers, then they don't use the BACs ISA transfer service so transfers require paper forms and aren't as quick as providers who do use the service. Saying that, I find their customer service is excellent and transfers have always been carried out well within the required timescales (15 days I think ?)

Thank you Refluxer, I meant transferring out money to a normal account, since this is a flexible easy access account. I need to put my normal savings in an ISA to avoid tax next year (I have a few high interest regular savers + Barclays Rainy day), so it needs to be easily accessible and fast to reach my nominated account in case something comes up. 

Do you mind if I ask which (non isa) accounts you have in case I'm missing anything please? 
I have the Barclays rainy day. 
Yorkshire monthly saver
Santander esaver
I used to have the nationwide account at 5% but that's run out now. 

There's a whole host or regular savers including but not limited to:
First Direct at 7%
Club Lloyds monthly saver- 6.25%
Natewst/RBS regular savers- 6%
Halifax/BOS regular savers at 5.5%
Nationwide start to save at 5%
etc etc, the list goes on.

These are all limited with the amount you can put in, usually £50-£500/mth in each and many require you to have a current account to be able to open and/or have withdrawal restrictions them but when used in combination you can end up with £10ks in higher paying accounts. I've got over 2 dozen regular savers myself and from tomorrow all my EA savings will be in them.

There's also Chip instant access at 3.4% and YBS family saver (2 withdrawals/yr) soon to hit 3.6%.

I appreciate this post is off topic though so it may be worth continuing this discussion in a different thread.

ForumUser7

Bridlington1 said:

pookey said:

gabiieve said:

refluxer said:

gabiieve said:

Thank you. Do you know if their transfers are quick? I want this to be my main savings account

I've had a few Cash ISAs with the Principality. If you're talking about ISA to ISA transfers, then they don't use the BACs ISA transfer service so transfers require paper forms and aren't as quick as providers who do use the service. Saying that, I find their customer service is excellent and transfers have always been carried out well within the required timescales (15 days I think ?)

Thank you Refluxer, I meant transferring out money to a normal account, since this is a flexible easy access account. I need to put my normal savings in an ISA to avoid tax next year (I have a few high interest regular savers + Barclays Rainy day), so it needs to be easily accessible and fast to reach my nominated account in case something comes up. 

Do you mind if I ask which (non isa) accounts you have in case I'm missing anything please? 
I have the Barclays rainy day. 
Yorkshire monthly saver
Santander esaver
I used to have the nationwide account at 5% but that's run out now. 

There's a whole host or regular savers including but not limited to:
First Direct at 7%
Club Lloyds monthly saver- 6.25%
Natewst/RBS regular savers- 6%
Halifax/BOS regular savers at 5.5%
Halifax start to save at 5%
etc etc, the list goes on.

These are all limited with the amount you can put in, usually £50-£500/mth in each and many require you to have a current account to be able to open and/or have withdrawal restrictions them but when used in combination you can end up with £10ks in higher paying accounts. I've got over 2 dozen regular savers myself and from tomorrow all my EA savings will be in them.

There's also Chip instant access at 3.4% and YBS family saver (2 withdrawals/yr) soon to hit 3.6%.

I appreciate this post is off topic though so it may be worth continuing this discussion in a different thread.

@pookey - the first page of this thread has a good RS list - out of date by a couple of weeks though, so look at posts on later pages too ~ https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list/p1

N.B. The 5% start to save is nationwide

aaj123

gabiieve said:

I'm interested in a flexible easy access ISA and I see Principality has the best rate. I've never heard of them, are they easy to work with? I'm interested in a provider with good online/ app and fast transfers to nominated accounts.

Skipton has an app and a 24 month guaranteed boe-1.25% (so 3% at the moment) flexible easy access cash isa.

Bridlington1

ForumUser7 said:

Bridlington1 said:

pookey said:

gabiieve said:

refluxer said:

gabiieve said:

Thank you. Do you know if their transfers are quick? I want this to be my main savings account

I've had a few Cash ISAs with the Principality. If you're talking about ISA to ISA transfers, then they don't use the BACs ISA transfer service so transfers require paper forms and aren't as quick as providers who do use the service. Saying that, I find their customer service is excellent and transfers have always been carried out well within the required timescales (15 days I think ?)

Thank you Refluxer, I meant transferring out money to a normal account, since this is a flexible easy access account. I need to put my normal savings in an ISA to avoid tax next year (I have a few high interest regular savers + Barclays Rainy day), so it needs to be easily accessible and fast to reach my nominated account in case something comes up. 

Do you mind if I ask which (non isa) accounts you have in case I'm missing anything please? 
I have the Barclays rainy day. 
Yorkshire monthly saver
Santander esaver
I used to have the nationwide account at 5% but that's run out now. 

There's a whole host or regular savers including but not limited to:
First Direct at 7%
Club Lloyds monthly saver- 6.25%
Natewst/RBS regular savers- 6%
Halifax/BOS regular savers at 5.5%
Halifax start to save at 5%
etc etc, the list goes on.

These are all limited with the amount you can put in, usually £50-£500/mth in each and many require you to have a current account to be able to open and/or have withdrawal restrictions them but when used in combination you can end up with £10ks in higher paying accounts. I've got over 2 dozen regular savers myself and from tomorrow all my EA savings will be in them.

There's also Chip instant access at 3.4% and YBS family saver (2 withdrawals/yr) soon to hit 3.6%.

I appreciate this post is off topic though so it may be worth continuing this discussion in a different thread.

@pookey - the first page of this thread has a good RS list - out of date by a couple of weeks though, so look at posts on later pages too ~ https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list/p1

N.B. The 5% start to save is nationwide

Thanks for this, I've now edited my post to reflect that. Quite how I missed that I haven't the foggiest given that I've had that Start to Save account for months.

2010

Charter 1yr fix cash ISA, rate 4.01% min £5k, 30 days to fund.

pookey

pookey said:

I've managed to open the Yorkshire 4% cash ISA today.

Now I need to transfer an existing ISA which is only at 2.5%. I want to keep the 2 sperate so a separate amount is needed and also I don't want it fixed. I've found the Santander variable at 3.2% can anyone recommend anything better please? 😊

I found out yesterday evening in another thread that NW have increased their rates so it's at a more competitive 3% at the moment.

I'll wait till next week and see if there are any other rate increases 🤞🏽

nomorekids

Anyone already got or know if you can have the two versions of Yorkshire Loyalty Six ISA? The branch version and the online?

Just wondering if on/just after the 6th, I could open the branch based one for another £20000 at 4.25%

pookey

nomorekids said:

Anyone already got or know if you can have the two versions of Yorkshire Loyalty Six ISA? The branch version and the online?

Just wondering if on/just after the 6th, I could open the branch based one for another £20000 at 4.25%

"You can only hold one account in your name. If you are named on more than one Loyalty Six Access Saver e-ISA Issue 2, the most recent account opened will be transferred to the Internet Saver ISA Plus. You may only subscribe to one cash ISA in a single tax year"

Could be worth a phone call as it does say e-ISA 🤞🏽

Beddie

pookey said:

nomorekids said:

Anyone already got or know if you can have the two versions of Yorkshire Loyalty Six ISA? The branch version and the online?

Just wondering if on/just after the 6th, I could open the branch based one for another £20000 at 4.25%

"You can only hold one account in your name. If you are named on more than one Loyalty Six Access Saver e-ISA Issue 2, the most recent account opened will be transferred to the Internet Saver ISA Plus. You may only subscribe to one cash ISA in a single tax year"

Could be worth a phone call as it does say e-ISA 🤞🏽

nomorekids do let us know the answer if you find out.