Cash ISAs: The Best Currently Available List

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+).

ForumUser7

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. 

I've looked at the other two non-loyalty easy access ISAs, and I think they are all flexible. They both say Flexible ISA saving

pecunianonolet

ForumUser7 said:

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. 

I've looked at the other two non-loyalty easy access ISAs, and I think they are all flexible. They both say Flexible ISA saving

The Limited Access ISA has only one withdrawal if I read this correctly (Coventry has 3.25% and six withdrawals) and the Internet Saver has only 3% and there are better options available for unlimited withdrawals. Anyhow, I fixed for 1y with the Virgin 4.25% and OH went with Coventry Flex and put 20k in and we will take19999 out again today to max out PSA first

10_66

pecunianonolet said:

ForumUser7 said:

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. 

I've looked at the other two non-loyalty easy access ISAs, and I think they are all flexible. They both say Flexible ISA saving

The Limited Access ISA has only one withdrawal if I read this correctly (Coventry has 3.25% and six withdrawals) and the Internet Saver has only 3% and there are better options available for unlimited withdrawals. Anyhow, I fixed for 1y with the Virgin 4.25% and OH went with Coventry Flex and put 20k in and we will take19999 out again today to max out PSA first

Apologies if you already realise, but being flexible refers to being able to withdraw and then replace the amount your withdrew.  I know that's not great if it's restricted to one withdrawal. 

Aidanmc

pookey said:

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. 

Yes, i was recently eligible to open a loyalty e-isa

pookey

pecunianonolet said:

ForumUser7 said:

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. 

I've looked at the other two non-loyalty easy access ISAs, and I think they are all flexible. They both say Flexible ISA saving

The Limited Access ISA has only one withdrawal if I read this correctly (Coventry has 3.25% and six withdrawals) and the Internet Saver has only 3% and there are better options available for unlimited withdrawals. Anyhow, I fixed for 1y with the Virgin 4.25% and OH went with Coventry Flex and put 20k in and we will take19999 out again today to max out PSA first

Hi
Do you mean he opened it and deposited the money today? And will take the money out today for the better options you mentioned? 

Oasis1

Seems like Virgin's 1 year fixed ISA has been withdrawn

2010

Shawbrook EA ISA 3.27%
Shawbrook 1yr fix ISA 4.17%

TiVo_Lad

2010 said:

Shawbrook EA ISA 3.27%
Shawbrook 1yr fix ISA 4.17%

UBL have just released a 1yr FIxed ISA at 4.2% but no transfers allowed.

fabsaver

TiVo_Lad said:

2010 said:

Shawbrook EA ISA 3.27%
Shawbrook 1yr fix ISA 4.17%

UBL have just released a 1yr FIxed ISA at 4.2% but no transfers allowed.

They also have 2 years at 4.3% or 3 years at 4.25%

https://www.ubluk.com/personal-banking/products-and-services/personal-savings-accounts/fixed-rate-cash-isa/