Cash ISAs: The Best Currently Available List

pecunianonolet

Rheumatoid said:

pecunianonolet said:

Shawbrook 1y fixed increased from 4.17% to 4.21% and other rates increased too

Opened mine on 12th April so technically within the 14 day cooling off window and should be able to upgrade to the new rate.

Let me know how you get on. I opened a 2 year at 4.28 on the 20th and it is now at 4.31.

T&C regarding withdrawal of product remains the same so don't see why you can't keep adding until end of term:

" Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term"

Phoned up and ISA was upgraded without further questions to the new rate as within the 14 day cooling off window. The maturity date remains and is based on the initial opening date. New rate applies for me from today. Making further additions is no problem, just did and as long as done before 3:30 on a work day it is credited the same day.

For me it's been 13 days since I opened the ISA so technically I could have closed the ISA today, take the cash and 13 days interest and reopen straight away the new issue and transfer in and would have benefited from the new rate for another 13 days at the end. Not thought about it this morning....maybe I phone up again.

Rheumatoid

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Shawbrook 1y fixed increased from 4.17% to 4.21% and other rates increased too

Opened mine on 12th April so technically within the 14 day cooling off window and should be able to upgrade to the new rate.

Let me know how you get on. I opened a 2 year at 4.28 on the 20th and it is now at 4.31.

T&C regarding withdrawal of product remains the same so don't see why you can't keep adding until end of term:

" Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term"

Phoned up and ISA was upgraded without further questions to the new rate as within the 14 day cooling off window. The maturity date remains and is based on the initial opening date. New rate applies for me from today. Making further additions is no problem, just did and as long as done before 3:30 on a work day it is credited the same day.

For me it's been 13 days since I opened the ISA so technically I could have closed the ISA today, take the cash and 13 days interest and reopen straight away the new issue and transfer in and would have benefited from the new rate for another 13 days at the end. Not thought about it this morning....maybe I phone up again.

Thanks. Have sent secure message and hopefully they will upgrade mine without issue.

pecunianonolet

Rheumatoid said:

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Shawbrook 1y fixed increased from 4.17% to 4.21% and other rates increased too

Opened mine on 12th April so technically within the 14 day cooling off window and should be able to upgrade to the new rate.

Let me know how you get on. I opened a 2 year at 4.28 on the 20th and it is now at 4.31.

T&C regarding withdrawal of product remains the same so don't see why you can't keep adding until end of term:

" Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term"

Phoned up and ISA was upgraded without further questions to the new rate as within the 14 day cooling off window. The maturity date remains and is based on the initial opening date. New rate applies for me from today. Making further additions is no problem, just did and as long as done before 3:30 on a work day it is credited the same day.

For me it's been 13 days since I opened the ISA so technically I could have closed the ISA today, take the cash and 13 days interest and reopen straight away the new issue and transfer in and would have benefited from the new rate for another 13 days at the end. Not thought about it this morning....maybe I phone up again.

Thanks. Have sent secure message and hopefully they will upgrade mine without issue.

Why don't you phone them? I waited maybe 30 seconds. Going through all security questions probably took longer than the ISA upgrade and you can make sure you'll get the new rate from today.

Rheumatoid

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Shawbrook 1y fixed increased from 4.17% to 4.21% and other rates increased too

Opened mine on 12th April so technically within the 14 day cooling off window and should be able to upgrade to the new rate.

Let me know how you get on. I opened a 2 year at 4.28 on the 20th and it is now at 4.31.

T&C regarding withdrawal of product remains the same so don't see why you can't keep adding until end of term:

" Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term"

Phoned up and ISA was upgraded without further questions to the new rate as within the 14 day cooling off window. The maturity date remains and is based on the initial opening date. New rate applies for me from today. Making further additions is no problem, just did and as long as done before 3:30 on a work day it is credited the same day.

For me it's been 13 days since I opened the ISA so technically I could have closed the ISA today, take the cash and 13 days interest and reopen straight away the new issue and transfer in and would have benefited from the new rate for another 13 days at the end. Not thought about it this morning....maybe I phone up again.

Thanks. Have sent secure message and hopefully they will upgrade mine without issue.

Why don't you phone them? I waited maybe 30 seconds. Going through all security questions probably took longer than the ISA upgrade and you can make sure you'll get the new rate from today.

Not convenient to phone at the moment 

Kazza242

NatWest and Royal Bank of Scotland have launched the following Fixed Rate Cash ISAs, which have been added to the list:

1 Year: 4.20% (matures 12/06/2024)
2 Year: 4.30% (matures 12/06/2025)

Minimum opening amount is £1,000.

The ISAs will be available until the 22nd May 2023 (they may also be withdrawn early due to limited availability).

caveman38

Kazza242 said:

NatWest and Royal Bank of Scotland have launched the following Fixed Rate Cash ISAs, which have been added to the list:

1 Year: 4.20% (matures 12/06/2024)
2 Year: 4.30% (matures 12/06/2025)

Minimum opening amount is £1,000.

The ISAs will be available until the 22nd May 2023 (they may also be withdrawn early due to limited availability).

Best rate available for 2yr. product with the advantage of only 90 day penalty for early closure. Only obstacle I can see, is that early closure would require a letter to the branch.

Rheumatoid

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Shawbrook 1y fixed increased from 4.17% to 4.21% and other rates increased too

Opened mine on 12th April so technically within the 14 day cooling off window and should be able to upgrade to the new rate.

Let me know how you get on. I opened a 2 year at 4.28 on the 20th and it is now at 4.31.

T&C regarding withdrawal of product remains the same so don't see why you can't keep adding until end of term:

" Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term"

Phoned up and ISA was upgraded without further questions to the new rate as within the 14 day cooling off window. The maturity date remains and is based on the initial opening date. New rate applies for me from today. Making further additions is no problem, just did and as long as done before 3:30 on a work day it is credited the same day.

For me it's been 13 days since I opened the ISA so technically I could have closed the ISA today, take the cash and 13 days interest and reopen straight away the new issue and transfer in and would have benefited from the new rate for another 13 days at the end. Not thought about it this morning....maybe I phone up again.

Thanks. Have sent secure message and hopefully they will upgrade mine without issue.

Why don't you phone them? I waited maybe 30 seconds. Going through all security questions probably took longer than the ISA upgrade and you can make sure you'll get the new rate from today.

Found time to phone them. It had been changed to 4.31 already. I confirmed that money can still be added until end of term which does allow another 20k to go in 6th April 2024. Very impressed with their service.

pecunianonolet

Rheumatoid said:

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Shawbrook 1y fixed increased from 4.17% to 4.21% and other rates increased too

Opened mine on 12th April so technically within the 14 day cooling off window and should be able to upgrade to the new rate.

Let me know how you get on. I opened a 2 year at 4.28 on the 20th and it is now at 4.31.

T&C regarding withdrawal of product remains the same so don't see why you can't keep adding until end of term:

" Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term"

Phoned up and ISA was upgraded without further questions to the new rate as within the 14 day cooling off window. The maturity date remains and is based on the initial opening date. New rate applies for me from today. Making further additions is no problem, just did and as long as done before 3:30 on a work day it is credited the same day.

For me it's been 13 days since I opened the ISA so technically I could have closed the ISA today, take the cash and 13 days interest and reopen straight away the new issue and transfer in and would have benefited from the new rate for another 13 days at the end. Not thought about it this morning....maybe I phone up again.

Thanks. Have sent secure message and hopefully they will upgrade mine without issue.

Why don't you phone them? I waited maybe 30 seconds. Going through all security questions probably took longer than the ISA upgrade and you can make sure you'll get the new rate from today.

Found time to phone them. It had been changed to 4.31 already. I confirmed that money can still be added until end of term which does allow another 20k to go in 6th April 2024. Very impressed with their service.

They probably automatically upgraded everyone still within the cooling off period to the new rate. 

I called them again and been told that if I want a new maturity date I need to go ahead and open a new account and call them back and they transfer from the old to the new account. Opened the account and called back and now been told I have to wait until tomorrow so both profiles merge and they can do the transfer. Since I have now 2 customer numbers and two sepeate profiles I am doubtful that this works. Not sure why it wasn't possible to close one account and transfer it straight over when the other account is up and running. That the customer advisor was asking me after I explained twice what the purpose of me opening a new account is doesn't fill me with too much confidence. 

Stolas

Rheumatoid said:

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Shawbrook 1y fixed increased from 4.17% to 4.21% and other rates increased too

Opened mine on 12th April so technically within the 14 day cooling off window and should be able to upgrade to the new rate.

Let me know how you get on. I opened a 2 year at 4.28 on the 20th and it is now at 4.31.

T&C regarding withdrawal of product remains the same so don't see why you can't keep adding until end of term:

" Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term"

Phoned up and ISA was upgraded without further questions to the new rate as within the 14 day cooling off window. The maturity date remains and is based on the initial opening date. New rate applies for me from today. Making further additions is no problem, just did and as long as done before 3:30 on a work day it is credited the same day.

For me it's been 13 days since I opened the ISA so technically I could have closed the ISA today, take the cash and 13 days interest and reopen straight away the new issue and transfer in and would have benefited from the new rate for another 13 days at the end. Not thought about it this morning....maybe I phone up again.

Thanks. Have sent secure message and hopefully they will upgrade mine without issue.

Why don't you phone them? I waited maybe 30 seconds. Going through all security questions probably took longer than the ISA upgrade and you can make sure you'll get the new rate from today.

Found time to phone them. It had been changed to 4.31 already. I confirmed that money can still be added until end of term which does allow another 20k to go in 6th April 2024. Very impressed with their service.

It seems like that applies to new money, and not transferring in an existing ISA beyond opening the account. Though the word may is used so maybe they will, maybe they won't!

"Transfer requests received after your initial account application may be refused."

  

Rheumatoid

Stolas said:

Rheumatoid said:

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Rheumatoid said:

pecunianonolet said:

Shawbrook 1y fixed increased from 4.17% to 4.21% and other rates increased too

Opened mine on 12th April so technically within the 14 day cooling off window and should be able to upgrade to the new rate.

Let me know how you get on. I opened a 2 year at 4.28 on the 20th and it is now at 4.31.

T&C regarding withdrawal of product remains the same so don't see why you can't keep adding until end of term:

" Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term"

Phoned up and ISA was upgraded without further questions to the new rate as within the 14 day cooling off window. The maturity date remains and is based on the initial opening date. New rate applies for me from today. Making further additions is no problem, just did and as long as done before 3:30 on a work day it is credited the same day.

For me it's been 13 days since I opened the ISA so technically I could have closed the ISA today, take the cash and 13 days interest and reopen straight away the new issue and transfer in and would have benefited from the new rate for another 13 days at the end. Not thought about it this morning....maybe I phone up again.

Thanks. Have sent secure message and hopefully they will upgrade mine without issue.

Why don't you phone them? I waited maybe 30 seconds. Going through all security questions probably took longer than the ISA upgrade and you can make sure you'll get the new rate from today.

Found time to phone them. It had been changed to 4.31 already. I confirmed that money can still be added until end of term which does allow another 20k to go in 6th April 2024. Very impressed with their service.

It seems like that applies to new money, and not transferring in an existing ISA beyond opening the account. Though the word may is used so maybe they will, maybe they won't!

"Transfer requests received after your initial account application may be refused."

  

Yes but new money is fine:
"Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term."