Cash ISAs: The Best Currently Available List

ForumUser7

pookey said:

ForumUser7 said:

pecunianonolet said:

Not sure if this was reported before but looks like YBS ISA's rate is increasing. Currently showing 3.1% on the website https://www.ybs.co.uk/savings/product?id=YB851683W

All of YBS’ variable rates have gone up by 0.25% today (source ~ https://www.ybs.co.uk/boe-rate-change)

YBS variable also gone up to 4.25 % Loyalty Six Access Saver e-ISA Issue 2

Yes, it was 4% below £20,000 and 3.5% above £20,000. It is now 4.25% below £20,000 and 3.75% above £20,000. They've all gone up 0.25%

pookey

ForumUser7 said:

pookey said:

ForumUser7 said:

pecunianonolet said:

Not sure if this was reported before but looks like YBS ISA's rate is increasing. Currently showing 3.1% on the website https://www.ybs.co.uk/savings/product?id=YB851683W

All of YBS’ variable rates have gone up by 0.25% today (source ~ https://www.ybs.co.uk/boe-rate-change)

YBS variable also gone up to 4.25 % Loyalty Six Access Saver e-ISA Issue 2

Yes, it was 4% below £20,000 and 3.5% above £20,000. It is now 4.25% below £20,000 and 3.75% above £20,000. They've all gone up 0.25%

I think it's amazing as it offers flexibility as well as transfer ins.

If it's possible to have an online and  branch based account version I'm quite tempted to open up a second and transfer my older ISA into it

Aidanmc

pookey said:

ForumUser7 said:

pookey said:

ForumUser7 said:

pecunianonolet said:

Not sure if this was reported before but looks like YBS ISA's rate is increasing. Currently showing 3.1% on the website https://www.ybs.co.uk/savings/product?id=YB851683W

All of YBS’ variable rates have gone up by 0.25% today (source ~ https://www.ybs.co.uk/boe-rate-change)

YBS variable also gone up to 4.25 % Loyalty Six Access Saver e-ISA Issue 2

Yes, it was 4% below £20,000 and 3.5% above £20,000. It is now 4.25% below £20,000 and 3.75% above £20,000. They've all gone up 0.25%

I think it's amazing as it offers flexibility as well as transfer ins.

If it's possible to have an online and  branch based account version I'm quite tempted to open up a second and transfer my older ISA into it

Is it permitted to have both versions?

pookey

Aidanmc said:

pookey said:

ForumUser7 said:

pookey said:

ForumUser7 said:

pecunianonolet said:

Not sure if this was reported before but looks like YBS ISA's rate is increasing. Currently showing 3.1% on the website https://www.ybs.co.uk/savings/product?id=YB851683W

All of YBS’ variable rates have gone up by 0.25% today (source ~ https://www.ybs.co.uk/boe-rate-change)

YBS variable also gone up to 4.25 % Loyalty Six Access Saver e-ISA Issue 2

Yes, it was 4% below £20,000 and 3.5% above £20,000. It is now 4.25% below £20,000 and 3.75% above £20,000. They've all gone up 0.25%

I think it's amazing as it offers flexibility as well as transfer ins.

If it's possible to have an online and  branch based account version I'm quite tempted to open up a second and transfer my older ISA into it

Is it permitted to have both versions?

I'm still trying to find out. I phoned up and was told yes but told no online. 
I'll try to go to a branch next week and see what they say. It's very confusing. 

But someone recently mentioned they managed to do it

Aidanmc

pookey said:

Aidanmc said:

pookey said:

ForumUser7 said:

pookey said:

ForumUser7 said:

pecunianonolet said:

Not sure if this was reported before but looks like YBS ISA's rate is increasing. Currently showing 3.1% on the website https://www.ybs.co.uk/savings/product?id=YB851683W

All of YBS’ variable rates have gone up by 0.25% today (source ~ https://www.ybs.co.uk/boe-rate-change)

YBS variable also gone up to 4.25 % Loyalty Six Access Saver e-ISA Issue 2

Yes, it was 4% below £20,000 and 3.5% above £20,000. It is now 4.25% below £20,000 and 3.75% above £20,000. They've all gone up 0.25%

I think it's amazing as it offers flexibility as well as transfer ins.

If it's possible to have an online and  branch based account version I'm quite tempted to open up a second and transfer my older ISA into it

Is it permitted to have both versions?

I'm still trying to find out. I phoned up and was told yes but told no online. 
I'll try to go to a branch next week and see what they say. It's very confusing. 

But someone recently mentioned they managed to do it

Will you update us if you find out.

I would have to request an application form as there are no branches here.

Going by the eligibility section it looks as though its possible, especially as they are 2 different issues, online is issue 2 and postal/branch issue 3

pookey

Aidanmc said:

pookey said:

Aidanmc said:

pookey said:

ForumUser7 said:

pookey said:

ForumUser7 said:

pecunianonolet said:

Not sure if this was reported before but looks like YBS ISA's rate is increasing. Currently showing 3.1% on the website https://www.ybs.co.uk/savings/product?id=YB851683W

All of YBS’ variable rates have gone up by 0.25% today (source ~ https://www.ybs.co.uk/boe-rate-change)

YBS variable also gone up to 4.25 % Loyalty Six Access Saver e-ISA Issue 2

Yes, it was 4% below £20,000 and 3.5% above £20,000. It is now 4.25% below £20,000 and 3.75% above £20,000. They've all gone up 0.25%

I think it's amazing as it offers flexibility as well as transfer ins.

If it's possible to have an online and  branch based account version I'm quite tempted to open up a second and transfer my older ISA into it

Is it permitted to have both versions?

I'm still trying to find out. I phoned up and was told yes but told no online. 
I'll try to go to a branch next week and see what they say. It's very confusing. 

But someone recently mentioned they managed to do it

Will you update us if you find out.

I would have to request an application form as there are no branches here.

Going by the eligibility section it looks as though its possible, especially as they are 2 different issues, online is issue 2 and postal/branch issue 3

Yes I'll update once I've got it all confirmed.

You would think they would explain that you can have one online and one branch based as its such a great account to have 😊

Do you have accounts with them already? 
Some of the accounts are for customers of 1 year plus. 

pecunianonolet

I wish any of the YBS ISA's would be flexible...

ForumUser7

pecunianonolet said:

I wish any of the YBS ISA's would be flexible...

Isn’t their loyalty one flexible? The fact sheet suggests it is ~  https://www.ybs.co.uk/documents/productdata/Factsheet-YB941685W.pdf

pecunianonolet

ForumUser7 said:

pecunianonolet said:

I wish any of the YBS ISA's would be flexible...

Isn’t their loyalty one flexible? The fact sheet suggests it is ~  https://www.ybs.co.uk/documents/productdata/Factsheet-YB941685W.pdf

Maybe, but I am not elegible for loyalty. 

Kazza242

pecunianonolet said:

ForumUser7 said:

pecunianonolet said:

I wish any of the YBS ISA's would be flexible...

Isn’t their loyalty one flexible? The fact sheet suggests it is ~  https://www.ybs.co.uk/documents/productdata/Factsheet-YB941685W.pdf

Maybe, but I am not elegible for loyalty. 

All of YBS's variable rate ISAs on the list are flexible ISAs.  

There are the YBS Limited Access ISAs paying 3.35% on £1 and above (Internet and separate branch/postal versions available).

Their Internet Saver Plus ISA pays 3.00% from £1 and above and is also a flexible ISA.

(Existing members of at least 12 months are eligible to open the YBS Loyalty Six Access ISA, paying 4.25% on the first £20,000 and 3.75% on £20,000.01+).