Cash ISAs: The Best Currently Available List

kipsterno1

EDIT - See below I was having a moment!

refluxer

kipsterno1 said:

Looks like Paragon has had a rate change this morning;

1yr FR is back at 4.20% and the 18month FR is the same.

2 yr FR now at 4.35% as is the 5yr FR.

the 3yr ISA isn't listed anymore.

That's their normal fixed rate accounts, not ISAs

kipsterno1

refluxer said:

kipsterno1 said:

Looks like Paragon has had a rate change this morning;

1yr FR is back at 4.20% and the 18month FR is the same.

2 yr FR now at 4.35% as is the 5yr FR.

the 3yr ISA isn't listed anymore.

That's their normal fixed rate accounts, not ISAs

D'oh. My bad. Thanks for spotting that. I have been looking at so much today that it's all got very blurred. 

boomish

My wife & I both have Marcus ISA’s , looking to top up this years 20k & it seems YBS is the best deal with 3.35 %, a limited access but we only need the money if we buy a property , we were going to open & transfer today but reading the subscription rules of only 1 account per year wondered if it’s worth waiting a week or so? maybe Marcus will increase their rates etc 

2010

boomish said:

My wife & I both have Marcus ISA’s , looking to top up this years 20k & it seems YBS is the best deal with 3.35 %, a limited access but we only need the money if we buy a property , we were going to open & transfer today but reading the subscription rules of only 1 account per year wondered if it’s worth waiting a week or so? maybe Marcus will increase their rates etc 

Marcus only increased their rates a week ago to 3.20%.
The good thing is it`s instant if you do need the cash.

The other thing about Marcus is it`s not an electronic transfer for their ISA`s, it`s form filling and cheque into the new account.

Kazza242

Cynergy Bank has launched a new Online ISA (issue 34), paying 3.28%.  The ISA can be opened with £1.

Cynergy have also launched some new fixed rate ISAs:

1 Year: 4.15%
2 Years: 4.20%
3 Years: 4.20%

Existing Cynergy Bank savers of six months or more (at the time of opening their fixed ISA) will receive 0.01% more interest per fixed term ISA.

alternate

Cam you transfer from the old Cynergy easy access ISA to the new one?

rallycurve

alternate said:

Cam you transfer from the old Cynergy easy access ISA to the new one?

Yes, you can do this yourself with the "internal transfer and close" option

pecunianonolet

@refluxer @2010

Opened my Shawbrook 1y ISA today and received this email below so based on two different phone conversations saying different things, the T&C'S being clear the email is different again so probably internal comms at Shawbrook have not all been updated yet. Went for monthly interest with 4.09% instead of annual as I like to see my pot grow. The AER is 4.17% so doesn't make a difference.

Dear pecunianonolet
Thank you for applying for a 1 Year Fixed Rate Cash ISA Bond Issue 70. Your account is now open and the interest rate is 4.09% Gross/AER (fixed). We will write to you before the maturity date to understand what you would like to do with your funds and let you know about alternative Shawbrook Bank Savings options available to you.

For further guidance on how to use your account, including how to make deposits, please visit the “Save FAQs” section of our website.

To view your current balance and obtain your account number simply log in to Personal eSavings by visiting the Shawbrook Bank website and clicking on the button at the top right of the screen entitled ‘Log in’. Your sort code is 16-58-73. For your records we will upload an electronic welcome letter to your eDocuments within Personal eSavings.

Deposits can be made into your account until the product is withdrawn. You can check whether the product has been withdrawn by looking at the “Withdrawn Products” section of our website.

Thank you for Saving with Shawbrook.

Debbie Bryden

Head of Customer Services, Savings

Northlight

pecunianonolet said:

Opened my Shawbrook 1y ISA today and received this email below so based on two different phone conversations saying different things, the T&C'S being clear the email is different again so probably internal comms at Shawbrook have not all been updated yet. Went for monthly interest with 4.09% instead of annual as I like to see my pot grow. The AER is 4.17% so doesn't make a difference.

Thank you for applying for a 1 Year Fixed Rate Cash ISA Bond Issue 70.
.......
Deposits can be made into your account until the product is withdrawn. You can check whether the product has been withdrawn by looking at the “Withdrawn Products” section of our website.

Received same contradictory welcome email upon opening this account. Bit below par for Shawbrook comms given, as refluxer mentioned, this is not a recent change to the terms.