Cash ISAs: The Best Currently Available List

kipsterno1

Virgin have upped the rate on their one and two year fixed rates.

refluxer

ukbootlegs said:

FishInGlass said:

caveman38 said:

Others on here seem to have confirmed they have been able to add as described ..... we'll see ..... first test on Wednesday with the first of my matured accounts. If all this does work, I think they must be the most flexible provider in this regard. Dont know any others that allow this

Please post whether you are successful with your next deposit

I opened a 2yr Shawbrook fixed cash ISA Issue 69 at 4.28% on the 12th April. I have made 3 further deposits already on the 26th April, 3rd May and 12th May successfully. Hope that helps.

Can you make deposits all year long as long as you dint breech 20k?  I’ve seen some providers don’t allow deposits after 60 days

Thx  

Yes, most fixed rate ISAs have a limited funding window, however the T&C's for the Shawbrook fixed rates ISAs include the following...

"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 If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term."

t1redmonkey

refluxer said:

ukbootlegs said:

FishInGlass said:

caveman38 said:

Others on here seem to have confirmed they have been able to add as described ..... we'll see ..... first test on Wednesday with the first of my matured accounts. If all this does work, I think they must be the most flexible provider in this regard. Dont know any others that allow this

Please post whether you are successful with your next deposit

I opened a 2yr Shawbrook fixed cash ISA Issue 69 at 4.28% on the 12th April. I have made 3 further deposits already on the 26th April, 3rd May and 12th May successfully. Hope that helps.

Can you make deposits all year long as long as you dint breech 20k?  I’ve seen some providers don’t allow deposits after 60 days

Thx  

Yes, most fixed rate ISAs have a limited funding window, however the T&C's for the Shawbrook fixed rates ISAs include the following...

"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 If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term."

This seems truly bizarre to me, as if they’ve made a mistake when writing their Ts and Cs or something.

pookey

The YBS Loyalty Six Access Saver ISA Issue 3
I know it's 42 days to fund it. I just want to double check I have until the end of the tax year to fund it it up to 20k pls? As I only have about half that at the moment 

doodlector

pookey said:

The YBS Loyalty Six Access Saver ISA Issue 3
I know it's 42 days to fund it. I just want to double check I have until the end of the tax year to fund it it up to 20k pls? As I only have about half that at the moment 

Yes, you can continue to add to it.

refluxer

t1redmonkey said:

refluxer said:

ukbootlegs said:

FishInGlass said:

caveman38 said:

Others on here seem to have confirmed they have been able to add as described ..... we'll see ..... first test on Wednesday with the first of my matured accounts. If all this does work, I think they must be the most flexible provider in this regard. Dont know any others that allow this

Please post whether you are successful with your next deposit

I opened a 2yr Shawbrook fixed cash ISA Issue 69 at 4.28% on the 12th April. I have made 3 further deposits already on the 26th April, 3rd May and 12th May successfully. Hope that helps.

Can you make deposits all year long as long as you dint breech 20k?  I’ve seen some providers don’t allow deposits after 60 days

Thx  

Yes, most fixed rate ISAs have a limited funding window, however the T&C's for the Shawbrook fixed rates ISAs include the following...

"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."

This seems truly bizarre to me, as if they’ve made a mistake when writing their Ts and Cs or something.

Yes, it is definitely an unusual arrangement for a fixed rate product, although it isn't unique in that respect. Barclays, for example, allow you to contribute to their fixed rate, flexible ISAs throughout the duration of the fix in a similar way.

refluxer

steveksullivan said:

caveman38 said:

Others on here seem to have confirmed they have been able to add as described ..... we'll see ..... first test on Wednesday with the first of my matured accounts. If all this does work, I think they must be the most flexible provider in this regard. Dont know any others that allow this

Please post whether you are successful with your next deposit

Yep, they seem to have taken todays deposit no probs - next big test will be the matured ISA transfer-in, in October!

Watch this space ......

Having re-read the T&Cs again, it looks like different rules appear to apply to transfers. Is your maturing ISA a Shawbrook ISA ?

From the following extract, it looks like transfer requests from other providers need to be made at the time of opening a fixed rate Shawbrook ISA (although the use of the word 'may' when they say 'Transfer requests received after your initial account application may be refused' introduces some uncertainty).

You should be able to transfer internally (from another Shawbrook ISA) at a later stage though, but only if the account is 'open to new funding' so could that mean only while that issue (ie. rate) is still available ?

• Requests to transfer funds into an account from another ISA provider must be made at the same time as your initial account application by signing a transfer form. Transfer requests received after your initial account application may be refused.

• Transfers in from other Shawbrook Cash ISAs are permitted subject to the account being open for new funding.

bristolleedsfan

I have asked Shawbrook on Twitter, does anyone know if they accept part-transfers in from previous years ?

refluxer

bristolleedsfan said:

I have asked Shawbrook on Twitter, does anyone know if they accept part-transfers in from previous years ?

If partial transfers-in are not allowed then it would usually state that in the T&Cs and I can't find that restriction mentioned in the T&Cs for the fixed rate ISA I took out with Shawbrook towards the end of last year. 

Is the ISA you want to transfer-in with a provider who is also a member of the BACs ISA transfer service ? If so, it might be possible to kick off Shawbrook's ISA transfer process online and see what options it gives you.

razord

Marcus and Saga instant access up to 3.5% which is pretty great for a monthly paid interest account. Not flexible though!