Cash ISAs: The Best Currently Available List

fabsaver

2010 said:

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

Shawbrook also have 2 year fix at 4.28%

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

fabsaver

Nationwide Building Society 
2 year fix 4.25%
1 year fix 4.10%

https://www.nationwide.co.uk/savings/compare-savings-accounts-and-isas/?filters=isa  

t1redmonkey

Wow Nottingham BS have a 5% Regular Saver ISA.  Only available in branch though...great for those who live near one of their branches I guess: Starter ISA Issue 11 | Nottingham Building Society (thenottingham.com)

TiVo_Lad

New : Paragon Bank 1 Yr Fix at 4.2% and allows transfers in.

https://www.paragonbank.co.uk/savings/cash-isas/one-year-fixed-cash-isa

t1redmonkey

In addition to the Nottingham BS Regular Saver ISA, Saffron BS have also offered one (which sounds like it can be opened in branch or by post) at 4.25%: Regular Saver ISA | Saffron Building Society (saffronbs.co.uk)

gele

t1redmonkey said:

Wow Nottingham BS have a 5% Regular Saver ISA.  Only available in branch though...great for those who live near one of their branches I guess: Starter ISA Issue 11 | Nottingham Building Society (thenottingham.com)

Ok. I am thinking this might have solved a problem for me but would like others' thoughts and a question answered if possible.
 I have 2 bonds maturing one in April and one in Aug. I would like to get them into an ISA but maturing months apart is tricky from a paying in point of view. My choices are easy access 3.35% YBS as I believe I can pay in as and when, or this regular saver one at 5%. To complicate things a bit I have 2 separate ISAs maturing in Nov23. As I dont particularly want them combining with the new ones I'm looking at now I think they would just mature and transfer into new ISAs but I wouldn't /couldnt pay into either of them which is fine. I understand that you can open as many as you want rule as long as you only pay into one and I just need confirmation that this would be my situation in Nov and I havent overlooked anything. Also for the clever Maths people which would be best interest wise.

Nottingham 5%
I could pay in
max £2400 initial deposit.
max1400 pm

YBS 3.35%
I could pay in
3k in now 
£5k in early may
£12k in Aug 
Thanks

gele

Apologies if this should have been a separate new thread.

pecunianonolet

pookey said:

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? 

No, all ISA's were opened and funded in tax year 22/23 with Coventry being funded yesterday and the cash will be taken out today. More detail here of what we're doing to maximise ISA allowances. It's great if you are in a position being able to fund 2 ISA's but actually need some of the cash as it is not completely spare. You money essentially gets granted ISA protection but can work outside of an ISA. 

It would even work, although a lot more dangerous and not advisable, to take out a loan of let's say 10k to fill up an ISA for 1 day, and repay the full loan the following day. Your income would need to be sufficient in the future to put the 10k aside to fill up the ISA again in 12 months time. 

Middle_of_the_Road

gele said:

t1redmonkey said:

Wow Nottingham BS have a 5% Regular Saver ISA.  Only available in branch though...great for those who live near one of their branches I guess: Starter ISA Issue 11 | Nottingham Building Society (thenottingham.com)

Ok. I am thinking this might have solved a problem for me but would like others' thoughts and a question answered if possible.
 I have 2 bonds maturing one in April and one in Aug. I would like to get them into an ISA but maturing months apart is tricky from a paying in point of view. My choices are easy access 3.35% YBS as I believe I can pay in as and when, or this regular saver one at 5%. To complicate things a bit I have 2 separate ISAs maturing in Nov23. As I dont particularly want them combining with the new ones I'm looking at now I think they would just mature and transfer into new ISAs but I wouldn't /couldnt pay into either of them which is fine. I understand that you can open as many as you want rule as long as you only pay into one and I just need confirmation that this would be my situation in Nov and I havent overlooked anything. Also for the clever Maths people which would be best interest wise.

Nottingham 5%
I could pay in
max £2400 initial deposit.
max1400 1600 pm

YBS 3.35%
I could pay in
3k in now 
£5k in early may
£12k in Aug 
Thanks

There won't be much difference between the two options above. 

£556 Nottingham BS 2400 Initially + 1600 pm

Assuming YBS deposits are: 3k now, 5k for 11 months and 12k for 8 months
Roughly
+£100.50 + 
+£153.50 
+£268.00
=£522.00

Not taking into account interest that is being earned by the regular deposit amounts in feeding account.

fabsaver

Paragon Bank Fixed Rate Cash ISAs
1 year 4.2%
2 year 4.28%
3 year 4.25%

https://www.paragonbank.co.uk/savings/savings-accounts