Cash ISAs: The Best Currently Available List

refluxer

andyhicks88 said:

Hi, can anyone tell me does the Shawbrook 1yr/2yr fixed ISA's allow payments in at any time during the term?  Somebody told me they did but can't seem to find that info on the products pages.

This is possible according to their fixed ISA T&Cs but another forum member has been given conflicting info over the phone and the confirmation email Shawbrook send out also says something different.

You can follow the discussion on this very subject (which occurred between 10th and 13th April) from this post onwards... 

https://forums.moneysavingexpert.com/discussion/comment/79981559/#Comment_79981559

AlwaysLearnin

pookey said:

Kazza242 said:

Kazza242 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%

I have a branch-based (though I can also operate it online) YBS Loyalty Six Access ISA (issue 2) opened in April 2022. 

Last month, I applied for the Loyalty Six Access Saver e-ISA (issue 2) online and transferred my previous years ISA subscriptions to it.  

In late March, I also posted a product switch form to a YBS branch asking them to switch my branch-based Loyalty Six Access ISA (issue 2) to issue 3.  They called a few days later to confirm that this would be ok.  They are performing the switch later this week. 

If all goes well, then I'll be earning 4.25% on the first £20K of both ISAs.  I'll also report back on how it goes.    

I can confirm that it is possible to have both of the following ISAs:

YBS Loyalty Six Access Saver e-ISA issue 2 (Internet-based)

and

YBS Loyalty Six Access Saver ISA issue 3 (branch/postal)

I now have both of them.  I opened the new Loyalty Six Access Saver e-ISA issue 2 last month (4.25% on the first £20,000 and 3.75% above that) and today YBS performed a Product Switch on my existing branch-based Loyalty Six Access ISA (issue 2) which I opened in April 2022, and switched it into the Loyalty Six Access Saver ISA issue 3.

Therefore, I am now earning 4.25% on the first £20,000 in both the issue 2 and issue 3, so £40,000 is earning the higher rate.

(To qualify for the Loyalty products, you have to have had an open account, savings or mortgage with Yorkshire Building Society for at least 12 months prior to applying).

Hi I opened the e ISA on the end of last month and filled it with last year tax allowance. Can I open the branch/ post based account for this tax year please?

I've contacted YBS but have been given different answers and I have no idea who is correct? 

Yes - did exactly that here

pecunianonolet

andyhicks88 said:

Hi, can anyone tell me does the Shawbrook 1yr/2yr fixed ISA's allow payments in at any time during the term?  Somebody told me they did but can't seem to find that info on the products pages.

Been discussed a few pages back as I had similar questions. 

You can make as many additional contributions during the tax year as you wish up until the 20k limit. Some of their comms is not fully aligned between account specific T&C's and emails they send or what you get told on the phone.

pookey

AlwaysLearnin said:

pookey said:

Kazza242 said:

Kazza242 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%

I have a branch-based (though I can also operate it online) YBS Loyalty Six Access ISA (issue 2) opened in April 2022. 

Last month, I applied for the Loyalty Six Access Saver e-ISA (issue 2) online and transferred my previous years ISA subscriptions to it.  

In late March, I also posted a product switch form to a YBS branch asking them to switch my branch-based Loyalty Six Access ISA (issue 2) to issue 3.  They called a few days later to confirm that this would be ok.  They are performing the switch later this week. 

If all goes well, then I'll be earning 4.25% on the first £20K of both ISAs.  I'll also report back on how it goes.    

I can confirm that it is possible to have both of the following ISAs:

YBS Loyalty Six Access Saver e-ISA issue 2 (Internet-based)

and

YBS Loyalty Six Access Saver ISA issue 3 (branch/postal)

I now have both of them.  I opened the new Loyalty Six Access Saver e-ISA issue 2 last month (4.25% on the first £20,000 and 3.75% above that) and today YBS performed a Product Switch on my existing branch-based Loyalty Six Access ISA (issue 2) which I opened in April 2022, and switched it into the Loyalty Six Access Saver ISA issue 3.

Therefore, I am now earning 4.25% on the first £20,000 in both the issue 2 and issue 3, so £40,000 is earning the higher rate.

(To qualify for the Loyalty products, you have to have had an open account, savings or mortgage with Yorkshire Building Society for at least 12 months prior to applying).

Hi I opened the e ISA on the end of last month and filled it with last year tax allowance. Can I open the branch/ post based account for this tax year please?

I've contacted YBS but have been given different answers and I have no idea who is correct? 

Yes - did exactly that here

Thank you very much. My local branch doesn't answer the phone or call back. Do you know if we need to make an appointment to open the account please? I might be able to pop in tomorrow but don't want a wasted journey 😅

gelato_cat

pookey said:

AlwaysLearnin said:

pookey said:

Kazza242 said:

Kazza242 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%

I have a branch-based (though I can also operate it online) YBS Loyalty Six Access ISA (issue 2) opened in April 2022. 

Last month, I applied for the Loyalty Six Access Saver e-ISA (issue 2) online and transferred my previous years ISA subscriptions to it.  

In late March, I also posted a product switch form to a YBS branch asking them to switch my branch-based Loyalty Six Access ISA (issue 2) to issue 3.  They called a few days later to confirm that this would be ok.  They are performing the switch later this week. 

If all goes well, then I'll be earning 4.25% on the first £20K of both ISAs.  I'll also report back on how it goes.    

I can confirm that it is possible to have both of the following ISAs:

YBS Loyalty Six Access Saver e-ISA issue 2 (Internet-based)

and

YBS Loyalty Six Access Saver ISA issue 3 (branch/postal)

I now have both of them.  I opened the new Loyalty Six Access Saver e-ISA issue 2 last month (4.25% on the first £20,000 and 3.75% above that) and today YBS performed a Product Switch on my existing branch-based Loyalty Six Access ISA (issue 2) which I opened in April 2022, and switched it into the Loyalty Six Access Saver ISA issue 3.

Therefore, I am now earning 4.25% on the first £20,000 in both the issue 2 and issue 3, so £40,000 is earning the higher rate.

(To qualify for the Loyalty products, you have to have had an open account, savings or mortgage with Yorkshire Building Society for at least 12 months prior to applying).

Hi I opened the e ISA on the end of last month and filled it with last year tax allowance. Can I open the branch/ post based account for this tax year please?

I've contacted YBS but have been given different answers and I have no idea who is correct? 

Yes - did exactly that here

Thank you very much. My local branch doesn't answer the phone or call back. Do you know if we need to make an appointment to open the account please? I might be able to pop in tomorrow but don't want a wasted journey 😅

No need to go into the branch: if you go to their website you can fill in your details and they'll send you an application form and a prepaid envelope for you to post it back to them in.

pookey

Suzey said:

pookey said:

AlwaysLearnin said:

pookey said:

Kazza242 said:

Kazza242 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%

I have a branch-based (though I can also operate it online) YBS Loyalty Six Access ISA (issue 2) opened in April 2022. 

Last month, I applied for the Loyalty Six Access Saver e-ISA (issue 2) online and transferred my previous years ISA subscriptions to it.  

In late March, I also posted a product switch form to a YBS branch asking them to switch my branch-based Loyalty Six Access ISA (issue 2) to issue 3.  They called a few days later to confirm that this would be ok.  They are performing the switch later this week. 

If all goes well, then I'll be earning 4.25% on the first £20K of both ISAs.  I'll also report back on how it goes.    

I can confirm that it is possible to have both of the following ISAs:

YBS Loyalty Six Access Saver e-ISA issue 2 (Internet-based)

and

YBS Loyalty Six Access Saver ISA issue 3 (branch/postal)

I now have both of them.  I opened the new Loyalty Six Access Saver e-ISA issue 2 last month (4.25% on the first £20,000 and 3.75% above that) and today YBS performed a Product Switch on my existing branch-based Loyalty Six Access ISA (issue 2) which I opened in April 2022, and switched it into the Loyalty Six Access Saver ISA issue 3.

Therefore, I am now earning 4.25% on the first £20,000 in both the issue 2 and issue 3, so £40,000 is earning the higher rate.

(To qualify for the Loyalty products, you have to have had an open account, savings or mortgage with Yorkshire Building Society for at least 12 months prior to applying).

Hi I opened the e ISA on the end of last month and filled it with last year tax allowance. Can I open the branch/ post based account for this tax year please?

I've contacted YBS but have been given different answers and I have no idea who is correct? 

Yes - did exactly that here

Thank you very much. My local branch doesn't answer the phone or call back. Do you know if we need to make an appointment to open the account please? I might be able to pop in tomorrow but don't want a wasted journey 😅

No need to go into the branch: if you go to their website you can fill in your details and they'll send you an application form and a prepaid envelope for you to post it back to them in.

Amazing, thank you very much

gelato_cat

pookey said:

Suzey said:

pookey said:

AlwaysLearnin said:

pookey said:

Kazza242 said:

Kazza242 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%

I have a branch-based (though I can also operate it online) YBS Loyalty Six Access ISA (issue 2) opened in April 2022. 

Last month, I applied for the Loyalty Six Access Saver e-ISA (issue 2) online and transferred my previous years ISA subscriptions to it.  

In late March, I also posted a product switch form to a YBS branch asking them to switch my branch-based Loyalty Six Access ISA (issue 2) to issue 3.  They called a few days later to confirm that this would be ok.  They are performing the switch later this week. 

If all goes well, then I'll be earning 4.25% on the first £20K of both ISAs.  I'll also report back on how it goes.    

I can confirm that it is possible to have both of the following ISAs:

YBS Loyalty Six Access Saver e-ISA issue 2 (Internet-based)

and

YBS Loyalty Six Access Saver ISA issue 3 (branch/postal)

I now have both of them.  I opened the new Loyalty Six Access Saver e-ISA issue 2 last month (4.25% on the first £20,000 and 3.75% above that) and today YBS performed a Product Switch on my existing branch-based Loyalty Six Access ISA (issue 2) which I opened in April 2022, and switched it into the Loyalty Six Access Saver ISA issue 3.

Therefore, I am now earning 4.25% on the first £20,000 in both the issue 2 and issue 3, so £40,000 is earning the higher rate.

(To qualify for the Loyalty products, you have to have had an open account, savings or mortgage with Yorkshire Building Society for at least 12 months prior to applying).

Hi I opened the e ISA on the end of last month and filled it with last year tax allowance. Can I open the branch/ post based account for this tax year please?

I've contacted YBS but have been given different answers and I have no idea who is correct? 

Yes - did exactly that here

Thank you very much. My local branch doesn't answer the phone or call back. Do you know if we need to make an appointment to open the account please? I might be able to pop in tomorrow but don't want a wasted journey 😅

No need to go into the branch: if you go to their website you can fill in your details and they'll send you an application form and a prepaid envelope for you to post it back to them in.

Amazing, thank you very much

No probs. Just go to the product page and read the info / make sure the product is right for you, there's an Apply button at the bottom:

https://www.ybs.co.uk/savings/product?id=YB891684B

Pressing the Apply button will give you the option of a telephone callback (which you've already had no luck with) or will take you to the following page where you can put your details in:

https://online.ybs.co.uk/public/contact_us/savings_app_request.do?productId=Loyalty-Six-Access-Saver-ISA-Issue-3&loyalty=Yes

pookey

Suzey said:

pookey said:

Suzey said:

pookey said:

AlwaysLearnin said:

pookey said:

Kazza242 said:

Kazza242 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%

I have a branch-based (though I can also operate it online) YBS Loyalty Six Access ISA (issue 2) opened in April 2022. 

Last month, I applied for the Loyalty Six Access Saver e-ISA (issue 2) online and transferred my previous years ISA subscriptions to it.  

In late March, I also posted a product switch form to a YBS branch asking them to switch my branch-based Loyalty Six Access ISA (issue 2) to issue 3.  They called a few days later to confirm that this would be ok.  They are performing the switch later this week. 

If all goes well, then I'll be earning 4.25% on the first £20K of both ISAs.  I'll also report back on how it goes.    

I can confirm that it is possible to have both of the following ISAs:

YBS Loyalty Six Access Saver e-ISA issue 2 (Internet-based)

and

YBS Loyalty Six Access Saver ISA issue 3 (branch/postal)

I now have both of them.  I opened the new Loyalty Six Access Saver e-ISA issue 2 last month (4.25% on the first £20,000 and 3.75% above that) and today YBS performed a Product Switch on my existing branch-based Loyalty Six Access ISA (issue 2) which I opened in April 2022, and switched it into the Loyalty Six Access Saver ISA issue 3.

Therefore, I am now earning 4.25% on the first £20,000 in both the issue 2 and issue 3, so £40,000 is earning the higher rate.

(To qualify for the Loyalty products, you have to have had an open account, savings or mortgage with Yorkshire Building Society for at least 12 months prior to applying).

Hi I opened the e ISA on the end of last month and filled it with last year tax allowance. Can I open the branch/ post based account for this tax year please?

I've contacted YBS but have been given different answers and I have no idea who is correct? 

Yes - did exactly that here

Thank you very much. My local branch doesn't answer the phone or call back. Do you know if we need to make an appointment to open the account please? I might be able to pop in tomorrow but don't want a wasted journey 😅

No need to go into the branch: if you go to their website you can fill in your details and they'll send you an application form and a prepaid envelope for you to post it back to them in.

Amazing, thank you very much

No probs. Just go to the product page and read the info / make sure the product is right for you, there's an Apply button at the bottom:

https://www.ybs.co.uk/savings/product?id=YB891684B

Pressing the Apply button will give you the option of a telephone callback (which you've already had no luck with) or will take you to the following page where you can put your details in:

https://online.ybs.co.uk/public/contact_us/savings_app_request.do?productId=Loyalty-Six-Access-Saver-ISA-Issue-3&loyalty=Yes

Thanks again, I've requested an application pack to be sent out

pecunianonolet

@pookey

To avoid confusion, my comment was for Shawbrook and you can just apply and open the ISA online and have to fund the initial £1000 and the rest is up to you. I don't know about YBS as I can only speak from experience with Shawbrook as I don't have any ISA's with YBS. 

Kazza242

pookey said:

Kazza242 said:

Kazza242 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%

I have a branch-based (though I can also operate it online) YBS Loyalty Six Access ISA (issue 2) opened in April 2022. 

Last month, I applied for the Loyalty Six Access Saver e-ISA (issue 2) online and transferred my previous years ISA subscriptions to it.  

In late March, I also posted a product switch form to a YBS branch asking them to switch my branch-based Loyalty Six Access ISA (issue 2) to issue 3.  They called a few days later to confirm that this would be ok.  They are performing the switch later this week. 

If all goes well, then I'll be earning 4.25% on the first £20K of both ISAs.  I'll also report back on how it goes.    

I can confirm that it is possible to have both of the following ISAs:

YBS Loyalty Six Access Saver e-ISA issue 2 (Internet-based)

and

YBS Loyalty Six Access Saver ISA issue 3 (branch/postal)

I now have both of them.  I opened the new Loyalty Six Access Saver e-ISA issue 2 last month (4.25% on the first £20,000 and 3.75% above that) and today YBS performed a Product Switch on my existing branch-based Loyalty Six Access ISA (issue 2) which I opened in April 2022, and switched it into the Loyalty Six Access Saver ISA issue 3.

Therefore, I am now earning 4.25% on the first £20,000 in both the issue 2 and issue 3, so £40,000 is earning the higher rate.

(To qualify for the Loyalty products, you have to have had an open account, savings or mortgage with Yorkshire Building Society for at least 12 months prior to applying).

Hi I opened the e ISA on the end of last month and filled it with last year tax allowance. Can I open the branch/ post based account for this tax year please?

I've contacted YBS but have been given different answers and I have no idea who is correct? 

Yes, YBS allows you to have both the Loyalty Six Access e-ISA (issue 2) and the branch-based/postal Loyalty Six Access ISA (issue 3).  I have both of them. 

As one of them was opened using last year's cash ISA allowance tax-free allowance, you can open the other ISA for this year's ISA allowance.  

You can download the application form from the YBS website here: https://www.ybs.co.uk/documents/productdata/Application-YB891684B.pdf